vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services Inc. is continues to report on an account that was already paid off thru XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and XXXX XXXX. This account has been paid through their healthcare clearinghouse ( a third party payment processor ). This company appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, CMRE Financial Services Inc. is certainly one of them. I demand that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: GA

Complaint narrative:
To whom it may concern : I have been in constant communication with the credit reporting agency Experian, in regards to a fraudulent account that was suppose to be removed, after me promptly submitting all supporting documentation at or around XXXX or XXXX of XXXX. The fraudulent account that is currently in dispute is XXXX XXXX. It is negatively impacting my credit worthiness and defaming my character. On XX/XX/XXXX, I spoke with fraud specialist XXXX within Experian 's Special Services, in regards to this particular matter. XXXX exclaims that she is unable to block the fraudulent account in question, simply due to it being blocked once before and it being removed, to be added back onto my credit report. Furthermore, XXXX explained that the block was removed and the item was reinserted back into my credit report in XXXX of XXXX. Per the FCRA, I am suppose to be notified no more than 5 business days after the item has been reinvestigated and added back onto my credit report ( FRCA 611 ). I explained to XXXX that I have not received any correspondence via email or USPS mail, advising me of such changes taking place. Unfortunately, I do not have any correspondences, stating that XXXX XXXX has been deleted or reinserted back into my credit report. XXXX, too, reinvestigated such findings and was able to determine while on the phone with me today, that she too does not see, where I was notified via email or by mail that the fraudulent account with XXXX XXXX has been removed or added back to my credit report in XX/XX/XXXX. 


The other credit reporting agencies XXXX  and XXXX, have effectively communicated with me their findings and determinations of the same account in question. They, too, have promptly resolve the concern and XXXX XXXX is no longer reporting for XXXX and XXXX 

Due to Experian 's negligence and improper adherence of the Fair Credit Reporting Act ( FCRA ) of not properly notifying me of XXXX XXXX 's removal or reinvestigation to re-adding the account back into my credit file, I am asking for the Consumer Financial Protection Bureaus to enforce the law regulated by the Federal Trade Commission and to permanently block/remove this account from my Experian credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NY

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 2021-08-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My card info was stolen and I immediately blocked the card and asked the replacement. Now XXXX has given the info to charge the recurring payments for XXXX without my permission. I canceled the service already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
I asked the CRA ( Transunion ) to initiate an investigation that would result in complete and accurate reporting for this account XXXX XXXX XXXX # XXXX XXXX. The dispute and re-dispute process under FCRA gives me these rights. I requested that Transunion look into this and provide the update or remove the account as allowed by law. 

In previous complaints to this entity, I also pointed out the violation/s with the CRA 's dispute process ( reporting incomplete information as " accurate '' ) and the remedy for this. 

Multiple requests were submitted to Transunion to investigate and respectfully provide complete an accurate information. In every case, they have ignored my request, and instead, verify " incomplete '' information as " accurate. This is a violation. 

This account was opened on XX/XX/XXXX. Transunion is reporting two months of delinquencies XXXX XX/XX/XXXX, XX/XX/XXXX ). I have not received an explanation as to why Transunion is reporting this information for XX/XX/XXXX and XX/XX/XXXX, while completely ignoring any other payment history I am entitled to. 

In their investigation results, excluded are the names of persons contacted to verify this information. I am entitled to this. 

Transunion has repeatedly, during this process deprived me of my rights under FCRA. They have suppressed complete and accurate reporting for this account and have ignored my disputes seeking a reasonable resolution.

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 2021-08-13 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: MD

Complaint narrative:
XXXX, XXXX and Transunion were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.

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 2021-08-13 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: MD

Complaint narrative:
XXXX Equifax, and XXXX were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: SC

Complaint narrative:
My personal information and negative items was reported on my credit report. From that happening, it caused me to not be able to obtain things I need in my life. Since that has happened, I wasn't able to get my VA certificate to purchase a home, because it made my score go down. It put me in a stressful place in my life while being in the military. From the negatove impact on my credit, now I have to figure out a way to get it fixed.

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 2021-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX  was the servicer of our mortgage. We aske for a modification in XXXX of XXXX so that we could us that money to catch up on some debt due to covid. we were allowed to not pay for XXXX, XXXX, and XXXX of XXXX. The modification was to roll these payments to the end of our load. We signed and notarized the modification paperwork and sent it in. In XXXX we were sent notice that our loan had been sold to a different servicer call BSI. We maintained paying our loan which I have the bank statements to prove, but since the modification wasn't completed by XXXX XXXX, even thought we signed the paper work and sent it back to XXXX XXXX. it has been almost a year waiting for BSI to get the account cleared up. I have received a loan statement dated XX/XX/XXXX that states I owe {$11000.00} in back payments. They have my account listed on their website as being behind 224 days, and they have reported to the credit bureaus twice that I am 120 days behind. Causing our credit average to drop nearly 100 points. I have contacted them by phone and e-mail to try and get them to stop the modification process and let me refi since the rates are now lower than what they are giving. Since they have reported my " late '' payment I will not be able to qualify for a refi because of there predatory attitude to my account. I would like some help in clearing this account knowing where the account balance is, so that I can refi with a company more reliable then BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The Platinum Amex card gives a {$50.00} credit every 6 months for purchases at XXXX XXXX XXXX. After confirming my card was enrolled, I made a qualifying purchase on XX/XX/XXXX. 

For separate reasons, I contacted Amex on XX/XX/12 in order to close my card. This was the last possible date where I could close the card and still receive a refund of my Annual Fee. 

Despite the fact that I met the criteria for my {$50.00} reward, the company refused to give me the credit before my card was closed. They also refused to give me a different, general purpose credit ( which they have done multiple times before when other rewards like the XXXX benefit were not functioning correctly, or as a general apology for poor service ), and they refused to extend the date that I could cancel the card and still receive a refund of my annual fee. 

The net result is that Amex has not provided a stated benefit of the card, despite me fulfilling the spending obligation and contacting the company to try and resolve the issue - I was even flexible with 3 different acceptable alternatives. I am now contacting the CFPB for what UDAAP issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
NEW TB Auto Finance loan for a XXXX purchased. TD Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet TD Auto is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: KEYCORP
State: VT

Complaint narrative:
In 2017 key bank was trying to collect against me on a totaled vehicle. I took them to court and their counter claim ( the outstanding balance ) was dismissed with prejudice by the judge. Key bank instead of removing it from credit as they were supposed to. Key instead moved it to a charge off collections account which shows as derogatory on my credit. On top of 4 years impacting my credit I am now realizing damages while trying to finance a vehicle. Key have been slow to respond and unwilling to correct the issue in any reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Keystone Law LLC
State: TX

Complaint narrative:
I get 1-2 calls per week from a person who identifies himself as XXXX XXXX from Keystone Law LLC, XXXX, PA Ph. number - XXXX, However it seems to be a different voice on the call at different times. 

" this calls from a debt collector this is an attempt to collect a debt ... no attorney has reviewed this account ... '' They have never provided any details indicating they know who I am or any details about the debt they are trying to collect, either in writing or by phone.

I think they are just phishing against the phone number. I have never answered or replied, and will block the number, but it stands out that they continue to call this number from a published company and name with no verifiable details or justification. I will not engage them unless additional evidence is provided in writing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball Tirey & St. John LLP is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. 

I spoke with XXXX at Kimball Tirey & St. John LLP and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it.

I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to Kimball Tirey & St. John LLP. 

This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
An account with a derogatory mark showed up on my Credit Report through Transunion, XXXX, XXXX. etc. - that DOES NOT BELONG TO ME. 

I have researched the financial management entity on the report - XXXX XXXX XXXX - who are repeat scammers. When their phone line is dialed, the phone automatically hangs up if the call has gone too long. I did not give them any of my personal information. 
XXXX XXXX XXXX  This is the full description that shows up on TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} - - - Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX - ( XXXX ) XXXX Date Opened - XX/XX/XXXX Responsibility - Individual Account Account Type - Open Account Loan Type - COLLECTION AGENCY/ATTORNEY Date Updated - XX/XX/XXXX High Balance - {$1100.00} Original Creditor - XXXX XXXX Past Due - {$0.00} Pay Status - >In Collection< Estimated month and year this item will be removed - XX/XX/XXXX Please remove this fraudulent account and balance from my 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 explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have changed my name formally in XX/XX/2019 during my XXXX process FROM : XXXX XXXX XXXX : XXXX XXXX XXXX T XXXX XXXX I have sent following documentations to make sure that all my credit cards and financial institution I am associated with are updated with my new name, however BestBuy ( Citi Bank ) has not been cooperating : 1. Passport Copy 2. Court Order Name Change 3. Citizenship Certificate 4. Social Security Card Copy Customer Service Agent Name : XXXX XXXX Senior Advisor Account Manager : XXXX ( XXXX  ) The above documentation was provided twice to BestBuy " Citi Bank '' initially they updated my name on the card to XXXX XXXX XXXX, however I called them recently to send me a new card, and they sent me again credit card with my old name. 

They are completely unprofessional and not following the laws of the land at all and misinterpreting my identity to all the Credit Bureau s thus creating confusions with my actual name.

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 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to Experian, XXXX, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.

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 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports 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 explanation