vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to Knight Adjustment to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back Knight Adjustment to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover card took {$200.00} from my bank account as a deposit on a secured card, then never gave me access to the card. They made me get something notarized and I faxed iyt to them. Still nothing. They then said I need to send them 3bank statements, which I sen through the mail. They said they didn't get it. They closed the account and will not give me my deposit back. They say I didn't file a dispute in time. This was a scam from the beginning, my bank says it is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: IL

Complaint narrative:
XXXX XXXX XXXX reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.

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 2021-07-01 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Students First Limited Liability Co.
State: FL

Complaint narrative:
I received a call from a person who said they are calling to help me with the loan forgiveness program by the government, and they would consolidate all the federal loans I have and will be forgiven. And that it takes some time to submit paperwork to do that and I need to pay {$200.00} per month for 4 months and then I will have zero payment after that. 

I assumed the person who is calling is from the federal government, he asked for the email I used for my FAFSA account and told me to give him the code I received from the email I received. I did receive a " change your password " email from U.S department of education. I gave him the code and he said they are going to consolidate my loan since I qualify for that program and he sent another email which went to my junk folder which was " borrower eligibility confirmation '' and it had all my loan info and also my SSN number. 

Then I asked him why I have to pay to consolidate my loan and are they some loan collection agency or the govt itself. He did not answer and started saying things like your monthly payment will be high and how am I going to pay for that..etc. 

I realized this was not from the govt and I disconnected the call. I then changed my FAFSA password.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MCMC Auto LTD
State: TX

Complaint narrative:
Mike Carlson Motor Company Has deliberately reported that an old auto loan account is open and that I owe a balance of {$17000.00} when in fact this account was paid in full after I traded in an auto to them in order to get a new vehicle after problems were found that were not disclosed about the previous vehicle I purchased from them. Recently, the auto I purchased from them through their inhouse financing was stolen, wrecked, and declared a total loss by my insurance company XXXX, after XXXX settled my claim and paid Mike Carlson Motor Company {$11000.00}, Mike Carlson Motor Pressured me about producing a police report which I could not produce because when I contacted the local police department concerning the theft of my vehicle for what ever reason, I was unable to get cooperation on a police report from the local police department after several attempt 's, I spoke with Mike Carlson Motor Company on More than one occasions about the matter because I purchased Gap insurance coverage through Mike Carlson Motor Company in addition to my XXXX policy which was supposed to cover any additional amounts that my primary auto insurance didn't cover in the event of a total loss. After checking my XXXX  credit report on XX/XX/2021, I discovered that Mike Carlson Motor Company erroneously reported that I have two separate auto loans with them which inflated my debt significantly and and likely lowered my Credit scores which has caused me Financial harm, as when I attempted to conduct a financial loan transaction, my credit report was showing erroneous information by Mike Carlson Motor Company, this is not the first time I've had this problem with Mike Carlson Motor Company because they have in past time, reported erroneous account information in the past showing that I had two open accounts with them which took me nearly two months to get corrected through a dispute. Because the additional account that is now being reported to XXXX currently as now being an open account with a balance of over {$17000.00} has in fact been reporting as closed and paid as agreed for more than six months, I believe that the erroneous reporting of this information is intentionally and being used as a tactic to prevent me from being able to finance another vehicle from elsewhere. I now have this account in dispute with XXXX, however, Mike Carlson Motor Company is causing me reputable and financial harm by reporting erroneous information about my credit worthiness especially since I've made all payments as agreed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC
State: TX

Complaint narrative:
I started a dispute for my medical debt with XXXX XXXX XXXX XXXX on XX/XX/2021, the debt was bought by a collection company called Arcadia, I never signed the HIPPA act that is required in order to sell the debt, in addition, the collection agency didn't give me my right to dispute the debt. 
On XX/XX/2021 I sent a follow-up letter since they didn't respond to my previous request, XX/XX/2021 they still didn't respond so I sent a final follow-up letter, and by today ( XX/XX/2021 ) they still haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
There was a recent collection added to my credit report that is not mine. I have been harassed over and over again about this account with Allied Cash Advanced that I absolutely do not owe or have any recollection of. I have never taken out a loan with them and I have disputed this once with Allied Cash Advance with another collection agency named XXXX and XXXX. This dispute was on Complaint ID XXXX The Company Check'n Go also known as Allied Cash Advance Responded saying : " To Whom It May Concern : We want to thank XXXX XXXX XXXX for contacting Check n Go regarding the calls she has been receiving. We understand that there is some confusion with the the calls she has been receiving from XXXX and XXXX in an attempt to collect on a loan with Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching XXXX XXXX 's information in our system Thank you. Customer Advocacy Department, Check n Go. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael Wayne Investment
State: VA

Complaint narrative:
This company still have debt as paid in full and have not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tesani Management Inc
State: UT

Complaint narrative:
I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to XXXX XXXX to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back XXXX XXXX to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

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 2021-07-01 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX we purchased tickets to XXXX through XXXX 's XXXX using our CITI Bank card for {$430.00}. When the charges showed up on the statement the charge was not recognized and was reported as a suspicious charge. CITI Bank removed the charge from our account. Within 20 minutes, the charge was recognized as the ticket purchase and CITI Bank was notified that it was a legitimate charge and placed the charge back on the card. When CITI Bank labelled the charge as fraudulent, XXXX 's XXXX cancelled the order and submitted a refund to CITI Bank. This occurred on XX/XX/XXXX with the refund occurring on XX/XX/XXXX ( see attachments ). CITI Bank refused the refund and the charge remained on our CITI Bank account. I called CITI Bank several times in XXXX and XXXX and CITI Bank stated that the dispute for the {$430.00} was on record and that I would not be charged any interest on this amount so our monthly payments for XXXX, XXXX, XXXX covered all expenses except the {$430.00} which remained on the statements. I continued to call to check on the dispute and had to continually re-open the dispute and walk through the issue each time all the while the charge stayed on my account accruing interest while it was being disputed. Eventually, we stopped using the card in XXXX and left the balance of the {$430.00} along with the accrued interest and fees associated with not paying the disputed amount on the card ( {$560.00} ). This balance was strictly due to CITI Banks inability to resolve the dispute by simply working with XXXX 's XXXX to re-send the refund and accept it. This is exactly what happened in XXXX. CITI Bank received the refund and in XXXX provided a credit of {$250.00} to cover the fees and interest. This seems to indicate that this dispute could have been easily resolved and not resulted in our account being considered 30 and then 60 days late. This issue is now on our credit report and has decreased our Credit Score. My understanding is that this will remain on my credit report for 7 years. This issues seems very minor and was CITI Bank 's issue and not mine and should not impact my credit score. I opened an additional dispute with CITI Bank on XX/XX/XXXX to have the report amended to remove the indication of late payment and it was denied ( see attached )

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 2021-07-01 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Trans World Systems reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: OH

Complaint narrative:
On XX/XX/2021, Experian reported a collection account titled " XXXX '' with a balance of {$800.00} that was allegedly open on XX/XX/2021. I have no knowledge of this account and disputed it with Experian. However, Experian stated that XXXX validated the account was mine on XX/XX/XXXX. According to the information reported from XXXX to Experian, XXXX 's address is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX. Thereafter, I sent a debt validation letter to XXXX, which requested documentation for this alleged account and requested XXXX to provide proof that the organization is authorized to collect debt in the state of Ohio. Please see attached for the letter. This letter was received by XXXX on XX/XX/2021 at XXXX XXXX ET. See attachments from the United States Post Office tracking system, which shows the letter was received. As of today, XX/XX/XXXX, XXXX XXXX ET, 30 days have past and a response has not been provided by XXXX. This is a violation to the Fair Debt Collection Practices Act.

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 2021-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

Company response to consumer: Closed with explanation