vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: MO

Complaint narrative:
Please remove any and all fruad alerts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Statues for creditcard fraud are resolve within ( 60 days ) two billing periods USAA DOES NOT MAKE TIMELY FRAUD CREDITS. USAA DOES NOT COMPLY WITH THE LAW. see attatched fraud claim date XX/XX/2018 {$470.00}. see attatched statements XXXX XXXX XXXX XX/XX/2018 ( THERE ARE NO {$470.00} USAA CREDITS. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I sent letters to the collection company and credit bureaus informing them that this account dont belong to me. Ive never been to XXXX XXXX  or had a XXXX XXXX  credit card or whatever kind of account is this. Ive been XXXX for over 10 years. This company have failed to remove this debt that dont belong to me. They cant prove this account belongs to me because its not mine. I request this account be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. Me and my father share the same common name. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: DISCOVER BANK
State: TN

Complaint narrative:
Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received a bill on XX/XX/2017 from " Cash Central '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX XXXX XXXX or 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 2020-04-09 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:
Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TN

Complaint narrative:
Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or 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 2020-04-09 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: VA

Complaint narrative:
I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was a regular customer at California Check Cashing when they offered me a Line of Credit through LEVLPAY, product of XXXX XXXX. The staff were asked various times to explain the process and they purposefully mislead me over and over with doublespeak. For a line of credit for {$500.00}, I was assured I would be paying a {$50.00} fee. What California Check Cashing DID NOT disclose is that they would need to print a check in order for me to receive the proceeds from the loan. After I agreed to get it because I was needed immediate cash, THEN they told me it was an Out of State Check that they would have to charge me {$25.00} to cash, SCAMMING me out of additional funds they had not disclosed while marketing this product to me. I press they have done this to other poor people and surely this is PREDATORY. I just had my account debited for a portion of my outstanding loan XXXX couldnt pay because of their deception. I want both XXXX and California Check Cashing held accountable for working together to defraud people who are already struggling financially. It is wrong and they need to be stopped. Why would two California companies issue a check from a bank in another state and not disclose until after your check is printed? THEY ARE BOTH PREDATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
Hi I am XXXX XXXX, I have transferred money to my brother In Law ( XXXX XXXX ) to his bank account in XXXX on XX/XX/2020. Remitly showing that money was delivered XX/XX/2020 but my brother check his bank account the confirmed XXXX  money wasnt delivered yet. I am try to contact their customer service which is not available, they said online chatting is available but I tried so many times I couldn't reach them. I text on XXXX XXXX and XXXX  page they did't response. I want to know what happened. Why is this taking longer time to deliver?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
after repeated harassing calls from progressive Management systems and me time and time again repeating myself not to call me during those hours because I work independently for a company called XXXX XXXX XXXX and that it is affecting my job they continue to attempt to collect a debt I do not owe and should have been serviced by XXXX XXXX hospital  through its billing system to XXXX. The dates align the billing the lines and progressive management should not be allowed to break the fcra current laws in regards to debt collection XXXX should XXXX XXXX hospital dump its lack of billing personnel on the future of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally direct has been a nightmare. Two issues. 

First, they lost a payment I made. I said all documentation and this was never corrected. Customer service representatives were belligerent and completely unhelpful. 

Second, when they received the payoff from the automotive dealer when I traded in my car, they took forever to post payment and then did not back date it to the correct date. This has caused my account to report 30  days late, dropping my credit score over 65 points. I have not had a payment 30  days late and over 10  years. 

I believe Ally Direct 's systemic negligence and complete lack of care for consumers cause this problem. I have many recorded phone calls supporting my position. It is frankly, for a lack of a better word, mind-blowing! 

I demand that my account be corrected immediately and that immediate updated reporting the made to all major credit bureaus reflecting this account was never 30  days late. 

Everybody threatened legal action. I am not making such a threat. I am making such a promise if this is not rectified immediately. 

Once this has been corrected and Ally direct has issued a written apology, I will consider this matter closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valentine and Kebartas, Inc.
State: WI

Complaint narrative:
The debt collector handling my federal student loan, Valentine and Kebartas, LLC, has not notified me about their possession of the loan or the status of the loan. I also believe Valentine and Kebartas, LLC is avoiding my calls and correspondence so that they can continue receiving a tax offset and now garnish my federal stimulus for covid-19 relief. I hope that is not the case.

Valentine and Kebartas, LLC currently has a default status setup on my XXXX federal student loan, has charged over 25 % interest, and recently received my tax refund ( of over {$3400.00} ) in full for an amount greater than my original student loan ( {$3200.00} ). The loan is currently still in default and based on these actions, despite my severe financial hardship during covid-19, it appears that Valentine and Kebartas, LLC is still looking to receive more. 

I have entered severe financial hardships, and was unaware that this loan even existed thinking I had consolidated it with other loans. 

The loan has been through 3 different service providers, and I have not been notified of these changes or of the additional interest that would be charged to my account. I was also not notified that my account was in default. Furthermore, I was not notified that a tax offset was active for this loan. Last, I was not made aware of any options I had to remedy the loan, call, or make payment arrangements. 

I have tried contacting the debt collection agency several times over the last four weeks. 
I sent Valentine and Kebartas, LLC a fax on XX/XX/XXXX and called their number ( XXXX  ) XXXX numerous times with no response. Their telephone number sends me to voicemail, and they do no list an Email address. 

Per federal student loan guidelines I should have been informed of the nature of the loan, the new handling of the loan, options to remedy the loan, and a notice of tax offset, I have not received any of those notices and was taken by complete surprise. Per covid-19 relief efforts, I currently have rights to my full tax refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Lease amount has been paid in full. Incorrect information shown on credit report. Need information updated by BMW on credit report.

Company response to consumer: Closed with explanation