vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
My Father recently passed away on XX/XX/XXXX He had been sick for some time and was in and out of the Hospital including a XXXXXX/XX/XXXX We received a notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Addressed to my Mother XXXX XXXX from XX/XX/XXXX Account XXXX AmSher Account XXXX Indicating that we have to pay a debt of {$450.00} First of all y mother had no access to my anything in the house. All billing in the house was under my father 's name, XXXX Looking back into his records I see credit card charge of XXXX starting XX/XX/XXXX each month until a last payment of XXXX ending in XX/XX/XXXX I can tell you that my father returned the equipment based on our request and was provided boxes by XXXX XXXX cancelling his subscription We have never received any additional request from XX/XX/XXXX that this amount We, my brother and I, took over his responsibilities for all his expenses in XXXX including the remaining mortgage on his home After cancelling many of the things he had and since he was going to a home to live out his life we never received anything from XX/XX/XXXX of money owed nor have they reached out to us via mail or email or phone call that money was owed Now, I received this collection letter from this company saying my MOTHER who is also in a retirement home owes this money Need to know how to resolve this. Calling this company is admission of fault and do not want to have that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NY

Complaint narrative:
contact credit bureau and very seasoned international experts, possible, the interplay between XXXX year old data pattern, possible from usa, possible from other country. 
possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
contact credit bureau and very seasoned international experts, possible, the interplay between XXXX year old data pattern, possible from usa, possible from other country. 
possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
contact credit bureau and very seasoned international experts, possible, the interplay between 30 year old data pattern, possible from usa, possible from other country.

possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this.

Credit XXXX 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 non-monetary relief
Consumer complaint received 2020-12-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.

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 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed the collection account XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXThe Credit report of Transunion dated XX/XX/2020 show item deleted from my credit file. Now this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C, 168i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertio
n or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy of completeness of the disputed information.

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 2020-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
These people call my job everyday all day long and harass me and my coworkers. They are even calling my friends and family. I would like it the harassment to stop. I don't know who they are but I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property. 
I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full. 
Thank you for any assistance you can provide with this uncomfortable situation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Hello, I cant open a checking account anywhere, because early warnings has blocked all the banks to open a checking account for me. I dont know which information they have about me, but the info they are having is totally wrong. Because my phone was stolen and my all the financial apps were in that phone i dont what the stranger did with my phone, i think its a identity theft, and my XXXX XXXX XXXXXXXX account was closed, i had no mistake. Please ask this company to cross check. They want me to give proof but what should i give them? I just want to remove this block from my identity. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: CA

Complaint narrative:
I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

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 2020-12-20 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: CA

Complaint narrative:
I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

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 2020-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I'm very angry with Google llc as a whole on XX/XX/XXXX I was forced to make a switch to the new Google pay app for some odd reason.I made a new account and it wasn't even open for 30 minutes my account is already suspended as a receiving is for transaction which is bigger than the last three I'm trying to get to the bottom of the matter I'm dealing with rude prejudice Representatives that sound like they're from India.IM VERY SICK AND TIRED With prejudice behavior FROM Google : XXXX while trying TO SEE WHAT'S going on with MY Google I WAITED 6 DAYS already WHICH AT THE TIME I DIDN'T EVEN KNOW I WAS CONVERSING WITH GOOGLE XXXX AND NOT WITH THE REPRESENTATIVES IN AMERICA I FEEL LIKE MY PERSONAL INFORMATION IS BEING USED OVER THERE WITHOUT MY CONSENT OF ACKNOWLEDGMENT!!!! EVEN after submitting my documentations social security card ... id card and mail!!. I TOOK COUNTLESS SCREENSHOTS FROM MY G PAY ON WHAT I SEE I EVEN SENT A VIDEO TO Representatives & been getting NO WHERE BUT attitudes WHILE DEALING WITH REPRESENTATIVES WHO prolonging my time over the phone why they put me on hold FOR MORE THAN 65 MINS I come back to the phone like I wasn't waiting that long talking about he was speaking to a specialist when they never spoke to a specialist because why would specialistespecially tell you to tell me to cash out with the card that I have on file if my account is still suspended they wouldn't tell you that and leave my account suspended knowing that wouldn't work I'm tired of being told one thing and the other I'm tired going in circles .I 'm hungry I want my money so I can go to the grocery store and find something to eat. GOOGLE BEEN XXXX ME FOR A LONG 6 days now.. remember guys when I was telling you that this app is really from XXXX  and not America Don't believe me look at the screenshot where it sayS XXXX XXXX 50 % off I don't stay in XXXX. why is this app is in our store in America? if we don't have American things if we have a Google here why is Google XXXX app is over here in America in our USA XXXX I'VE NONE OF THOSE STORES OVER HERE IN AMERICA!!!!!!! hey trying to prolong me not getting this issue fixed so they can have my money that's in my account this seems very fishy to me it doesn't take long to verify my age and they starving me behind my age verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Read my previous complaints and stop submitting a canned response that means nothing

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 2020-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Hi, so I finance my vehicle from XXXX XXXX XXXX XXXX XXXX  through Westlake Financial on XX/XX/2020. My first payment was due XX/XX/XXXX, and I wasnt able to make that first payment which I contacted the bank to entend my first payment because I had XXXX. I sent them the information, all my documentation and they were able to extend it. On XX/XX/XXXX, a toll truck came and towed the car away, not knowing who did. Ive called westlake to see if they towed my car and they said no I need to call the dealership, they have no clue on that. I called my dealership and they as well said no they didnt. I was giving the run around on where is my vehicle which I feel like a fraud is going on. Where is my vehicle??

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 2020-12-20 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: OH

Complaint narrative:
This issue deals with a previous complaint that has been partially remedied.As a direct result of Experian failure to correct erroneous, inaccurate information to my credit file I received numerous credit declines from potential creditors.As stated in my previous complaint I made multiple attempts and request of Experian for correction of my credit file to no avail until now. To date my concerns have not been fully address because of those creditors that Experian reported the misinformation to. I now have inquiries on my credit report that are reporting against me in which I did not benefit because of Experian 's reporting of adverse, erroneous misinformation. Even though the misinformation has been cleared up Experian never notified those creditors of the fact that my credit score was being reporting inaccurately at that time. Experian failure to correct my credit file during that time has left me at a disadvantage and caused me an undue hardship as a result of their actions and I have yet to be made whole. I request to be made whole.

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 2020-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I made a purchase online, but the order was cancelled. Walmart Capital One wouldn't make the funds available even after confirming with me and the merchant that the order was cancelled. After I complained they put another hold in my card for a purchase never made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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