vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: AZ

Complaint narrative:
Gregory Funding is demanding money for an escrow account because " you are delinquent in paying your taxes ''. My taxes are current until XX/XX/2020. They refuse to answer their phone, i have held up to six hours and never spoke to anyone..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recently came across an advertisement for the portable XXXX XXXXXXXX XXXX on XXXX.The total cost was {$89.00}. Two XXXX XXXXXXXX XXXX for {$170.00}, and three XXXX XXXXXXXX XXXX plus two free for {$260.00} were the options. I've decided to buy just one ( I am retired from XXXX, not a website merchant there was no reason to purchase more. ) The purchase has been made, I have paid through XXXX The PayPal hooked up to my bank account, so I thought the transaction should be nice and smooth. Two days later I have been surprised when I see that my bank has been charged by some overseas company for {$260.00}. As I have learned the company is located in some black hole called XXXX, XXXX. Several of my emails to cancel the order has been ignored, as the requests to Paypal informing them of the unauthorized transaction were also refused. Recently I have received the package without a return address loaded by XXXX XXXXXXXX XXXX ( five items ). Well, I've tried one, the gadget has not functioned. I even did not unpack the others. First of all, I did not order five items ( it was an unauthorized transaction of {$170.00} ). {$170.00} has been snatched off my bank account without my authorization and I would like to have it back to my bank. The second electronic gadget does not function. All five XXXX  XXXX XXXX I will send back to any place in the USA ( I do not want to send them to XXXX or XXXX ). Paypal does not recognize my request as an unauthorized transaction, even though {$170.00} was beasty snatched from my bank account. I would like to get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a scam on my credit report and cant verify it Experian refused to remove I XXXX score XXXX The hone number 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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to Experian to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: KS

Complaint narrative:
It was unfair the way this debt collection was carried out by XXXX and their collector company. First of all, I was enrolled in auto pay for my internet service with XXXX. That means that I did ALL my payments ON TIME while using their service. I kindly called XXXX and let them know in advance that I would no longer need their service because Id be moving out of state where, unfortunately, they dont have service coverage. They couldve charged that amount to the credit card that I had on file with them and/or could have send me an email or call me to remind me about that bill that I wouldve taken care of immediately as I did with all my previous payments. I tried to find out what had happened and called XXXX directly as soon as I received the alert on my credit report. They told me they couldnt remove that bill from the agency, even though I called the same day I received the alert and when they knew of my good payment history. They told me they didnt have my account details, nor my credit card information. So I went ahead, called the agency and paid the amount right away. I was told the report would be removed from my credit score in 3 months if I could pay the amount that day, which was always my intention since Im VERY responsible with my payments. To make it more upsetting, Ive been getting monthly bills -without outstanding balance- from XXXX  in the mail after I paid that amount to Credit Management , LP. Why would they then have my information after this but not one or two months after cancelling their service? They shouldve attempted to call or send me an email ; but they never did. Now Im left with a terrible credit score for their incompetence when Ive been paying all my bills, and this was all for the ridiculous amount of {$140.00}. They can and should do better to make their costumer feel valuable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: SC

Complaint narrative:
There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: MD

Complaint narrative:
My old car title information, including my and my wife 's personal identifying information was sent to Carvana three times. The form that was provided is the Gift Certification ( form # XXXX ). The first form was provided when old trade-in vehicle was used to pay for the loan. The second time, the Gift Certification ( form # XXXX ) form was sent via XXXX. The tracking number indicated delivered, however Carvana states that it was " lost in the mail ''. I am now instructed to mail a third Gift Certification ( form # XXXX ). I am worried that my information is potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NC

Complaint narrative:
Good afternoon, I am writing to delete the following information in my file. Also attached below are a list of the The items I need deleted. As well as the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I can move forward with my life. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
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 XXXX XXXX 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 C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM 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 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 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
account # XXXX It's been well over 60 days with no lawful validation of the alleged debt and no lawful response to the PRIVATE CONSUMER DEMAND AFFIDAVIT LETTER ... meaning you tacitly agree to the demands and invoices send via certified mail # XXXX and # XXXX, as well as no thorough response to the consumer complaint # XXXX on all points within the affidavits i sent, thus putting you in default and now the CFPB will aid me in collecting damages. Any further unsigned, un-notarized, false and deceptive letters you sent will incur a fine of minimum {$1000.00} per page for violating multiple Federal laws. 

Also, responding to my previous affidavits point for point via notarized affidavits of truth would be beautiful. By the way, please feel free to take me to court because I am sure the judge also would love to see your proof in accordance to FDCPA and TILA. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine. I noticed all your fraudulent statements that have Document identification numbers had an all caps name on them ... That is not my name, as my name is written in an upper-and-lower-case grammar style. Please answer, Why are you referring to me in all capital letters? See Exhibit C and D. 

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
respond to all attached documents and affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CA

Complaint narrative:
I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called XXXX several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. XXXX continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called XXXX several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. XXXX continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint

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 2021-04-15 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: FL

Complaint narrative:
Dear Experian, In response t my earlier complaint XXXX, you have made the following baseless claims, without providing any proof : " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, account number # XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature as well as the results of your " investigation '' My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2021-04-15 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: NC

Complaint narrative:
This complaint is in response to complaint XXXX. This response is to inform Equifax that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure by giving me the remedy previously requested which is to immediately delete all accounts referenced from my consumer report as well as pay the attached invoice for each violation they have violated. I have resubmitted my previous complaint and accounts referenced are circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC
State: FL

Complaint narrative:
Hi, After filing a complaint with CFPD, On XXXX the XXXX 2021. Regarding a debt I have no knowledge. I also received a call from XXXX, who stated he's calling from Gravamen Asset Management Group LLC. I asked XXXX to please provide me a address to mail debt validation letter. XXXX continue to advise me a letter will be mailed to me I was unable to get address. I had to XXXX the company name the address shows as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX the problem on XXXX shows different suite # 's, so it's very hard to know which suite is correct. I priority mail my debt validation letter today to the address provided into this complaint to suite XXXX which seem more recent. I have called and left messages as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
FCRA violations remove it not mine : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
Company name : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$7300.00} Company is reporting a debt more than 7 years old. They are taking an account from a different lender and starting a new timeline on age of debt charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CA

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau XX/XX/2021 ( ID : XXXX ). The credit card company responded to the complaint and partially resolved the fraudulent charges I was trying to dispute for a little over 2 years now. The balance on the account was {$9100.00} and they credited me {$6700.00} leaving me with {$2400.00} as the remaining balance. However, {$220.00} of that was for a late fee reversal. This made no sense, because while I was trying to solve this dispute case with them, they never removed the amount from my account so every month, I would get a $ XXXX charge in interest fees. I called on XX/XX/2021 asking them to provide an explanation how they got these numbers and to provide me with a billing statements as to why I still owe the remaining balance on my account. They told me I will receive the paperwork within 3-5 business days in both my email and in the mail. I never received anything and this has become a reoccurring problem as I've asked multiple times for them to send me my previous billing statements. During my dispute, I was told by the credit card company that I will not held liable for the fraudulent amount and any charges and fees related to the dispute would be reversed at the end, therefore, I continued to making payments on my account. I have been paying the fraudulent amount along with the interest fee that piles up every month, yet I didn't get that credited back and am left with a balance that they will not give me information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation