vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : 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 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
I sent PHOENIX FINANCIAL SERV a debt validation letter on XX/XX/21 through certified mail with a green receipt ( # XXXX XXXX XXXX XXXX XXXX ) in regards to 2 collection accounts they placed on my consumer reports ( XXXX, XXXX, and XXXX  ). I did not give PHOENIX FINANCIAL SERV written or oral consent to share my private medical or financial information with any consumer reporting agencies. I received the green receipt back to my location on XX/XX/21. The green receipt shows that the letter was received by a person listed as XXXX, an uninterested party in this matter, on XX/XX/21. In the debt validation letter I requested that PHOENIX FINANCIAL SERV send me a breakdown of fees including any and all collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and that they immediately cease any consumer reporting until the alleged debt has been validated by me. It has been 20 days and I still have not received a written response from PHOENIX FINANCIAL SERV. However, on XX/XX/21, I received a notification that PHOENIX FINANCIAL SERV has removed both collection accounts from my consumer reports ( XXXX and XXXX ). I still need a response in writing so that I can exercise my right to validate this alleged debt. PHOENIX FINANCIAL SERV is in violation of 15 USC 1692g ( a ). PHOENIX FINANCIAL SERV is also not in compliance with the HIPPA law. I need this matter to be resolved immediately because it has caused me embarrassment, defamed my character, and placed me in financial hardship. At this time I am demanding that PHOENIX FINANCIAL SERV send me all documentary evidence so that I can validate the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NV

Complaint narrative:
They are reporting inaccurate accounts on my credit report. 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 2021-07-31 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: NV

Complaint narrative:
They are reporting inaccurate accounts on my credit report. XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NV

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX 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 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i respond with a letter to tek collect, inc for a alleged balance of XXXX that i dont owe nor have any dealings with.they never responded back to my certified letter w/tracking # XXXX XXXX XXXX XXXX XXXX this is inaccurate information and needs to be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NV

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NV

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX 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 2021-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
i sent a letter to AD ASTRA RECOVERY SERVICE on XX/XX/2021 about a alleged debt of XXXX that i don't owe. i requested for the validity of the debt by certified mail # XXXX XXXX XXXX XXXX XXXX and has not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global Lending Services is accusing of me being in default on my car loan. I have not missed a payment this year. During XXXX, I asked Global Lending Services to work with me for a payment reduction and for an interest rate reduction but they refused because they said I signed a contract for the current interest rate. 

I have tried to get another loan but because of the interest rate the vehicle is upside down. They have harassed me for late fees. My due date is on the XXXX of every month and I have made my payments. They do not respond to my request or concerns. I also asked them for time for me to research my payments from the bank. They are threatening me that the last day for me to pay the past due amount of {$1900.00} is on XX/XX/XXXX. I have been sick and unable to respond to a letter that I received a couple of days ago dated XX/XX/XXXX. I visited my bank a week ago and asked for payment verifications. I am continuing to reconcile payments since XXXX and it is taking me longer than expected. 

When I purchased the vehicle the dealership informed me that I would be able to refinance the loan but Global Lending Service has denied that was ever an option once the contract was signed. 

Since my experience, I have researched and reviewed comments online about GLS. XXXX  : XXXX. 

This is very upsetting. 

Were my payments processed and not applied to my account? Were my payments lost? There is a refusal to acknowledge that the payments have come in on time. 

https : XXXX I have made all of my payments on their website this year and have not missed a payment. I don't know what the problem is. GLS is threatening to charge me for the value of the vehicle due to the high interest rate of the loan. How many consumers GLS done this to?

This is not fair to me and is a violation of my consumer rights. I purchased this vehicle in XXXX and have been in communication with GLS almost everyday because they call me everyday. 

Why they are harassing and threatening me is a violation of my civil rights ; has caused me undue stress and harm. Is this a common practice with GLS?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
A class action lawsuit against Santander bank was bought forth last year which I was one of the victim 's in the lawsuit. Santander bank was accused of fraudulent and predatory car loans which has been deemed illegal. The case was settled out of court and Santander bank was required to remove all loans and or Derogatory remarks on my credit report. The class action lawsuit is very much public information. I would like this account to be removed from my credit report. 
Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent my first letter to CMRE FINANCE SERVICES , INC WITH NO RESPONSE AND ON XX/XX/2021 I SENT THE 2ND LETTER TO THEM FOR THE ALLEGED DEBT OF XXXX THAT I DON'T OWE. NEED ASSISTANCE OF GETTING THIS MATTER RESOLVED BECAUSE THEY HAVE VIOLATED BY NOT RESPONDED THE FIRST TIME WITHIN 30 DAYS. I HAVE MY CERTIFED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a loan for my vehicle at XXXX  XXXX of XXXX XXXX, CA XXXX. I was unable to pay for my car when it got repossessed by the bank due to my job laying me off. My work had sent me my last check due to covid-19. After I was left with outstanding debt. Nearly over {$9000.00}. It has been a few years. I have tried to make contact to collections but I have no luck. At on point I called to pay my debt on a credit card of $ 600+ & I believe that was a scam. I still have records of collections being due. I believe it is unfair the way my report has been handled and I am seeking a higher up to a help me with my claim. I can not afford to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : 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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: MS

Complaint narrative:
i recently responded to MEDICREDIT, INC on XX/XX/2021 for a alleged debt of XXXX that i don't owe, so they have violated by not responded within the 30 days time frame and i sent them another letter on XX/XX/2021 requesting the validity of the debt again and they have not responded. i need help in resolving this matter because they are causing me harm and XXXX. i am going to the doctor more and taking more medicine. my certified mail tracking # for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
paid as agreed ... should not have gone to collection ... submitted proof of {$730.00} paid back last year. Statement showed paid in full

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am XXXX  of a startup of XXXX established in XXXX, 2021 and have been using Paypal as their main payment option for providing XXXX XXXX XXXX abroad from XXXX. 
In 1.5 years of our XXXX  we have done total business of around XXXX USD from Paypal and around XXXX USD from all payment options. 
There have been 513 total transactions in this time period and very less disputes which got resolved successfully out of which many were fake disputes done by scammers. 

We help financially weak students in XXXX, XXXX countries and XXXX XXXX get good & cheap education from our academic rich experts who provide them online class support. 

Today I got an email stating my paypal id is permanent closed for violation of any norms but I can assure you with all my dignity that we never do anything which is unethical neither there have been any dispute or false activity done from our side. I think there have been some mistake from Paypal automated system which closed our account. 

We comply with all the government norms of our country, regularly pay taxes and have GST and all required and approved documents for running the business. We are ready to resolve the issue if there is some issue from our end to get this ban lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I have contracted internet services with XXXX since XXXX. The services received were standard and exclusive for low-income families ( {$10.00} per month ). In XXXX, XXXX continued to bill my account for premium services that were not offered nor being used through their services ( XXXX ). 

I disputed this information but was unsuccessful in getting reimbursed. I continued to pay my bill online. After a while, my discontentment grew, and decided to cancel all services with this company ( XX/XX/XXXX ). The company failed to provide or mail any bill to the address on file after internet services were canceled. Instead, continued to send electronic bills to an app no longer active on my phone. 

Recently, a negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. The said XXXX account, had been sold to a collection agency, Credit Management. The account is showing on all credit bureaus as an active collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
Williams And Fudge Inc at XXXX XXXX XXXX, XXXX XXXX, SC XXXX has contacted me in regards to a collection Im the amount of {$1300.00}. The collection has been reported past due balance. I dont know this company. I have never done business with this company. I have no knowledge of this company or how it has a past due balance. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
i was offered a pre approved ad to apply for a discover card on XX/XX/24 so i did they ran my score i was denied and they dropped my score 17 points o XXXX. it was a hard inquire but 17 points? i expect a few points but 17? thats insane any questions contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through Acima Credit. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, Acima Credit reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Yea yeah, hackers don't exist. All in my head. Look, can you just tell them I need control of my textfree numbers XXXX & XXXX back immediately. Those are not my email addresses you seel linked to them in pics. They keep doing this. I spend so much time having to always change passwords on diff accounts and trying to remember but resetting them when I don't, it constantly takes away time I could use to do more productive things, like seure and retain employment. Nothing more to say other than to stop getting into my accounts already!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation