vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
They have been calling every day for several months, looking for a XXXX XXXX, XXXX years old. I am XXXX. The person they are looking for, I believe, is from XXXX, CA. I am sick of these calls. Asking for the debt to be paid. The last incident was on XX/XX/2021. They previously called at XXXX XXXX. They call several times a day. I have Previously informed Them I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I got a loan with ace cash advanced in 2019. They sold it, then that company sold it. The final company showed up to my parents house threatening to take me to jail, saying I have a warrant, calling 6 family members saying I have a warrant out of my arrest, etc. this is the number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I received a letter that read " Final Notice '' from the company, Lien Enforcement , Inc., in the mail on XX/XX/2021. This was the first communication that I ever received from them. The letter said that they had made previous attempts to notify my of my debt of {$2300.00}, and that my account was unresolved and seriously past due. The letter threatened that if I did not contact them by XX/XX/2021, the company would refer my account to legal counsel for further collection efforts and take legal action if deemed necessary. The letter also mentioned that if I had an insurance policy for the vehicle, that I could consult them for help submitting a claim to them regarding this debt. The letter named the original creditor of the debt to be a towing company near me, where I had a vehicle towed two years prior. I had been in an accident, only had liability insurance, and ended up paying the towing company what I owed them for the tow and storage, and signed the title of the vehicle over to them. I called the tow company immediately to ask about it and they had no record of me owing them anything and in fact said that I was not even in their system because it happened so long ago. They told me not to worry about it. It seems clear to me that this is a convincing scam to scare consumers into paying a debt they do not owe but are tricked into believing they do. There are several XXXX reviews of Lien Enforcement , Inc., also hinting that they are a fraudulent company and share similar stories to mine. I have reported them to the Better Business Bureau, and attached a copy of the fraudulent notice they sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CarMax, Inc.
State: TN

Complaint narrative:
I have contacted XXXX  and the Creditors ( Carmax Auto Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which PNC MORTGAGE is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

PNC MORTGAGE is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
Erc has a Collections on my credit report. That is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
In XXXX I started getting letters from lvnv funding saying they're collecting on behalf of XXXX. My credit had a blemish with XXXX XXXX since XXXX. Instead of XXXX XXXX NVLV is now on my credit as collections opened XXXX. I filled out dispute letters to the Credit agencies stating wrongful filing because I've never verbally stated or written or recognized lvnv funding as an entity I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened Citibank credit card with best buy, i purchased a computer that I never received, best buy told me if was delivered but i never received the item, it was ether stolen or delivered to the wrong address, they told me they contacted the shipping compony and that they have proof of delivery, and they denied replacement item, they told me to contact my local police department for theft claims, at the point i called the XXXX bank and filed dispute # XXXX on the XX/XX/XXXX they told me that XXXX has 30 days to respond and if they don't respond then it will be ruled in my favor, I called 31 days latter XX/XX/XXXX, they had nothing from merchant, told me that they have another 30 days to respond ( that is not a true statement ) then I called week latter they told me that investigators need to rule on disunion and they will notify me, i called XX/XX/XXXX they told me that they got something form best buy and they with in time frame and they will investigate, and it will take up to 60-90 total they got something from best buy on XX/XX/XXXX and that passed 30 days then they told me its from the day best buy received the docs ( XX/XX/XXXX ) so 30day would expire on XX/XX/XXXX but then they told its 30 Business Days i asked them to email me where they coming up with these time frames and they told me they cant and i should have it in term and agreements brochure, they wont provide the copy, in regards of what best buy is saying that they have proof of delivery is a note from the delivery driver ( note that says left at the door ) delivery compony has a policy to get a signature for amount over {$1000.00} but shipping compony told me that best buy never notified them that its a expensive item, so no one is taking responsibility. I'm trying to resolve it but these 3 monsters compony against one me and they are pointing figures at each other and one is helping. not I'm stuck paying {$1500.00} for something i don't even have. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TX

Complaint narrative:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days 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 a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX  XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX  , XXXX XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
My wife received a diagnostic imaging test at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX billed our insurance accordingly, and was paid in XX/XX/XXXX. The hospital appears to have contracted the radiology with XXXX XXXX XXXX, XXXX, who sent us a separate bill in XX/XX/XXXX, which is not consistent with the contracted insurance coverage that was accepted by XXXX  XXXX XXXX XXXX never billed our insurance and no explanation of benefits was ever created, so we assumed that the bill sent to us was in error. We never received another bill or any other contact from XXXX XXXX, so we assumed that they had resolved the issue with SVMC. In XX/XX/XXXX, my wife received a notice from CMRE Financial Services ( a debt collection company according to XXXX ) that was sent to her employer/HR Dept. When we contacted XXXX XXXX 's billing company XXXX XXXX, they admitted to billing the account incorrectly and claimed that it was never sent to collections when asked specifically three times ( ie : they lied ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TN

Complaint narrative:
I have contacted Equifax and the Creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank owes me approximately {$310.00} in rewards. They will only release it via check sent by regular mail, which I never receive. I spent 2 hours on XX/XX/21 w/ Citibank customer service to request that they either credit the rewards to my account ( I don't owe anything at this time ), or send it via 2 day mail so it can be tracked. They refused but could not say why, said only the corporate side knows. They promised on XX/XX/21 to have someone from corporate call in 48 hours, and said they would issue the check via regular mail and I would have it in 7-10 days. It's now been 2 weeks ; no one from corporate called, and I never got the check. I called customer service again today ( XX/XX/21 ) and spent an hour on the phone, & was told by XXXX XXXX XXXX that they don't know why the amount can't be credited to my account or mailed in a trackable way, & said they were stopping payment. I don't know if they reissued. They transferred me to XXXX in the XXXX XXXX unit in XXXX XXXX. He said he did not know why they can't credit the amount to my account or send it in a trackable way, he said I should ask customer service. I told him customer service said they don't know & transferred me to him. I feel like they are hoping I give up and not get the money promised to me. I have had this card for 29 years & it is a recurring problem everytime, and they won't help me resolve it.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
After diligently trying to keep up my credit score, I check my experian credit report and saw a new Debt Collecfion agency, CREDENCE RESOURCE MANA on my report stating that I owe them {$630.00}. This is incorrect therefore I sent a formal letter that this claim is disputed. I have no knowledge of this debt. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I purchased a bedroom set from Loves furniture. When delivered, two of the pieces were damaged. We took delivery on them because we were told replacements would be sent out. A couple weeks later, they filed for bankruptcy and when I went into the store they told me they were not sending anything out anymore due to the bankruptcy and I needed to open a dispute on my charge card. I opened the dispute with TD bank which is issuer of Loves furniture credit card. 3 months later I received a letter stating the case had been resolved and to contact an 800 number for service. When we contacted the number they laughed at us stating they were not offering replacements and to file a dispute. I contacted TD bank again to relay this information but was told they could not re-open the dispute but rather send a message/new note regarding the existing claim. This was around XX/XX/XXXX. I have contacted TD bank several times since then but never get anywhere. There are no updates on the account, and each time I call, I have to explain the entire situation to the representative and they tell me they will send an email. I just recently started keeping notes of the dates of contact. On XX/XX/XXXX, I was told an email was being sent to the dispute center and to call back for an update. I called on XX/XX/XXXX and was told their was nothing on the account. I insisted on speaking with a supervisor ( named XXXX ) who was supposed to contact the dispute center and call me back by XX/XX/20. She never called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I refinanced my car loan with Capital One Auto Finance last year. During that time they failed to transfer the lien from the title in their name from the previous lender. I have since paid off the loan in full and received a lien release from Capital One, but when I tried to apply for a clean title I was denied because Capital One has failed to move the lien in their name and the DMV still lists XXXX XXXX XXXX XXXX as the lien holder. I since have been trying to work with Capital One, but they have been giving me the run around, and I have been calling several times a week for about a month now trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: IL

Complaint narrative:
On XXXX I 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days 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 youve 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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am trying to verify I was successful in placing a credit freeze on my Experian credit report. I tried to log in to my account several times and was always met with a page that said something went wrong. A phone number is provided on that page which you are instructed to call XXXX. When I tried to call I could only get automated responses and the company would simply not connect me to a representative and in fact the automated system hung up on me. I have tried several other numbers all returning me to the automated system. Simply put there is absolutely no way to get a human being on the phone to work through a problem that clearly their automated system is not set up to handle. I need help reaching a person to get this rather simple thing done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian app tells me that my 15 percent utilization is HEAVY USE and shows it as a negative against my score. HEAVY USE? And no where does it give an explanation of what does NOT constitute Heavy or acceptable. There is NO guidance whatsoever.

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