vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: Porania, LLC
State: OR

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 explanation
Consumer complaint received 2021-08-11 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:
XXXX XXXX added a false debt claim to my personal credit report. I filed a complaint with both XXXX XXXX and Transunion where I asked XXXX XXXX  to provide proof of debt application with XXXX XXXX XXXX and signed loan documents with XXXX XXXX XXXX and proof of debt assignment to support their false claim. XXXX XXXX has never provided such proof and it has been more than 30 days. 

The law requires that in absence of proving legal proof of debt owed with debt application and signed debt agreement from the original lender and proof of assignment from the original lender to the current debt collector, the collection claim must be abandoned by the debt collector and the collection must be removed by the Credit Agency.

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 2021-08-11 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I was charge for {$1400.00} for some sort of medical bill from XXXX XXXX XXXX XXXX XXXX. I XXXX  this place. I have NEVER been there in my entire life. I also called the collection service, PARAMOUNT RECOVERY SYSTEMS/ ( XXXX ) XXXX several times and line rings busy. I also called XXXX XXXX XXXX XXXX XXXX and they had automated system to put me on hold forever. I did some investigation and found out over 100 people left reviews on XXXX to say the same things as me. I tried disputing this collection twice in past 2 months and XXXX  " verified '' this is my collection. I would like to know how they even verified when I couldn't even get to them? AND I was never been to the place before. Please help me report XXXX XXXX XXXX XXXX XXXX and I would like to dispute as soon as possible. I did not even have my SSN until end of XXXX This is affecting my credit very badly and would like quick solution. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I keep receiving a text message to call First Citizens Bank at XXXX because my debit card is closed. I dont have an account with First Citizens. Its spam and they wont stop texting my business number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CT

Complaint narrative:
A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX*** Please ensure that all information is accurate 3.The following account is not mine XXXX XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 

4.The folowing account is not mine XXXX Account NumberXXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CT

Complaint narrative:
A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The folowing account is not mine XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 

2.The folowing account is not mine XXXX Account Number:XXXX Please remove it 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 2021-08-11 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: FL

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Paid vechicle off in full on XX/XX/2021, started calling Santander about 6 weeks after paying it off, was told title was sent out to us via XXXX XXXXXXXX, we never received the title, they said that they didn't include our apartment number so title was sent to motor vehicle, have been calling every few weeks, they connect us to the title department and everyone gives us a different story as to what is going on, talked to manager, XXXX and he was supposed to figure this out for us but still haven't received title and no one has called us back, we tried calling about 2 weeks ago and tried to speak to XXXX but was told I had to speak to someone in the title 's department, no one knows what is going on each time we call and can never get a answer, vechicle was paid off ahead of time and every effort we make to resolve this has not gotten us anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name ar

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
In XXXX of 2020 me and my husband tried applying for a refinance on our home to get extra money to finish construction work on our home. A part of the application process was having a appraisal done on our home in which we paid Citizens {$530.00} on my XXXX  card and someone did come out to our home around the first week of XX/XX/2020 to have it appraised. The appraisal we found out from Citizens ( XXXX XXXX was our loan agent ) that it didn't appraise out and that we could not get any extra money. We never did get a copy of the appraisal and now Citizens is saying a refinance was never done and they do not have a copy of that appraisal done in 2020. I have made a dispute with my XXXX  XXXX  due to paying for the appraisal with the card. They can not get Citizens to respond to the dispute. I have recently filed complaints with the XXXX XXXX XXXX, Bureau of Financial Institutions in Virginia ( that is where mortgage is out of ), Missouri Division of Finance, CAG, Helpwithmybank.gov, and the Missouri Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I bought a car from XXXX, used their lender ( Bridgecrest ) for convenience. Refinanced with XXXX, sent payoff check to address listed in Bridgecrest 's FAQs. Mailed it signature confirmation, but never signed for. I contacted Bridgecrest, told that was not the best/correct address for payoffs, was advised to cancel check, have new check sent to XXXX, AZ address. Did this on XXXX and new check arrived to me XX/XX/XXXX. In the meantime, received notice from Bridgecrest that loan was paid in full. Assumed they were able to process check before it was canceled. Received call on XXXX, check was returned unpaid. XXXX advised check not paid because it did cancel before they processed it, advised to send second check that I received XX/XX/XXXX. Sent that check XXXX  overnight, signature confirmation. This was signed for XX/XX/XXXX at XXXX. Received call XX/XX/XXXX, payment late, they haven't received/processed check, a FULL month after check signed for! Received emails about late payment, repossession. I was assured that it was being taken care of, that my account was on a hold status so that nothing would be reported to the credit bureaus. On XX/XX/XXXX, Bridgecrest responded to my XXXX  complaint that my account was paid in full, everything back dated and closed. On XX/XX/XXXX I received another email saying my account was past due and that was the last day I could pay without being reported. I again reached out to my POC, XXXX, who didn't contact me back until XXXX and told me that the second check was returned Insufficient Funds! I knew this was a complete lie. I went to the credit union first thing the next morning where I was able to get a photo of the processed/paid check and the electronic transaction record. I sent her this proof and the next time I tried to log in to the Bridgecrest portal, it said I no longer had an account. I was fine with that, thinking this mess was finally over until I got notification that my account was reported as 60 days past due to the credit bureaus!!! This company is completely incompetent and extremely deceitful. I have tried contacting them multiple times to get them to clear this up with the credit bureaus and I have disputed the reporting myself, but the damage is done! My credit score has dropped over 100 points!! They need to be held responsible for everything that they did, or really everything that they DIDN'T do!

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 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 2021-08-11 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: Penn Credit Corporation
State: OH

Complaint narrative:
This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXPENN CREDIT CORPORATION # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I recieved a letter to avoid garnishment. I answered followed the directions and remitted payments. No one wants a garnishment. I never received an itemized bill. Dates of service or anything even showing me how or why I owed this debt I made XXXX dollars in payments and they got a garnishment for XXXX when the debt was only XXXX in the first place. I should only owe about XXXX dollars. They stated when I called today that I failed to answer if I made a payment in XXXX and XXXX how did I fail. I have receipts for these payments. All they did was lie and tell me I could avoid garnishment to obtain my employer information to garnish me. They just flat out lied. I mean I know its common practice to do what you have to but for a medical bill I obviously couldnt afford in the first place is just wow. I was also not told I could dispute the debt because, i was told pay or be garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 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: LoanCare, LLC
State: TX

Complaint narrative:
My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by XXXX  points because of this issue.

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 2021-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I booked a trip to XXXX XXXX thru XXXX from XXXX XXXX to XXXX XXXX at the Airport we couldn't travel because my XXXX XXXX had XXXX  of XXXX, therefor the XXXX XXXX the had to cancel our trip and refunds us the tickets cost. 
I contact XXXX to get my money for the hotel and they told me I need to contact the hotel. 
I emailed the hotel and they told me I need to contact XXXX and I contact XXXX and they told me I need to contact the hotel to get my money. 
I opened dispute case with American Express to get my money, but XXXX still refusing give me a refund. 
I couldn't travel due to XXXX travel rules and XXXX charging me a full price fo the hotel reservation XXXX travel confirmation number XXXX the dispute amount is {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
these accounts appear on my credit report, without any authorization, they are not mine, check them. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft CREDITACPT Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX  XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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