vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX and Alpine Credit have put a collection account onto my credit report. I called my insurance company to find out why I was being billed for this. They told me it was a duplicate charge and that I did not owe it. Ive disputed the charge several times and it comes back as a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GA

Complaint narrative:
All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have Experian, XXXX  and XXXX following federal law and remove all information that is inaccurate or incomplete as per 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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: VA

Complaint narrative:
MG Credit Corp reported to all three Bureaus a debt of {$160.00} from a medical bill I am just aware I had 4 years ago. It was my understanding all cost were paid by insurance. Once the account was reported, I called the original debtor and MG concerning the required validation of the matter. I never recieved any of the required information under FTC, I never received notice that I was deliquent, on this account prior to the reporting of the credit bureau, I informed MG if the debt was valid I would pay for a deletion only, not as a debt, they declined to correct thier error. The information further violates HIPPA, law 's as MG is clearly seeking a medical bill from the original creditor that specializing in a area of medicine that makes it clear of my medical history. MG has violated several FTC rules and as well as my due process with adequate notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level

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 2021-02-25 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: CA

Complaint narrative:
This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Kovo
State: IL

Complaint narrative:
Kovo Credit reported on my XXXX credit report as if the account I opened with them was a collection and I settled for less than what they lent me PLEASE SEE ATTACHED ). Based on Kovo credit website, it is a credit builder company. That have a monthly service for some sort of downloadable books or pdf 's. Nowhere on their website does it says you can cancel and if you cancel you will be penalized. I have attached screenshots from their website and the only email screenshots that I have. Nothing mentions any sort of cancellation repercussion. I signed up for their membership ( NO CONTRACT ) on XX/XX/XXXX and made the first payment, I made another auto payment from my account on XX/XX/XXXX, and on XX/XX/XXXX I sent them a cancellation email. On XX/XX/XXXX they responded to the email and acknowledged they cancelled my account per request and will be sending me my money back ( SEE ATTACHED ). 

Under no circumstances did I get any credit from them or services from them, for them to inaccurately flag my report as " Settled Account '' and report it negatively. THIS IS MISREPORTING. THIS MISREPORTING CAUSED MY CREDIT SCORE TO SIGNIFICANTLY DROP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I see kohls on my credit report as a hard inquiry and I didnt apply for credit at kohls and I want it removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: DE

Complaint narrative:
Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below 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 2021-02-25 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:
remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
XXXX XXXX XXXX This request can not be processed online. XXXX 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 XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX see attachments of the FCRA violations : XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$910.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$910.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$540.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$540.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2800.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$2500.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$1100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXXXXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeSecured Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXXXXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$20000.00} written off. 
XXXX XXXX XX/XX/XXXXXX/XX/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 2021-02-25 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: AL

Complaint narrative:
I recently sent TransUnion and XXXX several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX  and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX  and XXXX asking them to take it off my credit report. TransUnion took XXXX off with no problem but XXXX and XXXX will not take that corrupt overcharging company off my report.

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 2021-02-25 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: AL

Complaint narrative:
I recently sent XXXX and equifax several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX and equifax asking them to take it off my credit report. XXXX took XXXX off with no problem but equifax and XXXX will not take that corrupt overcharging company off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus 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. 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. 250 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 2021-02-25 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus 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. 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. 250 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 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
money market account at bmo they took money in so easily ( XXXX deposit ) but refused on numerous instances to return it other than me scheduling XXXX auto transfers back to my bank every week ( 4x per month tops ). it has taken me a while to get funds out. on top of that, they do not answer calls. when they do, they diconnect after an hour+ on the phone. they suspend accounts and disallow logins for no reason ( very frequent ). 

as a bank executive myself, i have never seen a bank with this much disregard and neglect for its processes and customers. i have made XXXX in total interest, and that is so immaterial for me in the grand scheme of things. what i would like to see is this bank held responsible for its actions. 

i have spent over 12 hours on BMO on trivial issues - deliberately caused by their own failures. most recently my account was suspended from me logging in, all while they continued to charge {$36.00} NSF fees because they would not allow me to stop my auto transfer cadence. 

a rep finally told me over the phone that he would stop the transfers and restore my access. that did not happen and the fees continued to mount. 

overall, this bank is non responsive, neglectful/complete disregard for consumers and their scarce time ( defeats the purpose of online banking and self service ) still in disbelief - i would like to see fast resolve. i am available for a phone call - happy to walk anyone through this agonizing process

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 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
No disclosure of vital information : I signed up for a cryptocurrency trading account at the XXXX XXXX ( Payward Ventures Inc ). Certain information was not disclosed during that process that should have been. Had it been I would not have signed up. 

Specifically that XXXX XXXX XXXX are put on hold for 3 days before you can access those funds. And that additional verification may be required before trading can proceed. 

My funds were placed on hold. It took XXXX XXXX 4 days to respond to my emails and once they did I was told the funds could still not be released until I provided additional photo of my self. This should all have been disclosed up front during the onboarding process not after I had funded this account. 

Because of this I lost the opportunity to trade for the asset I wanted as the price increased. 

I requested that my funds be returned to me and received no response from the company that they would do so. My {$5000.00} deposit is still under their control. There is no direct Customer Service only email. I can only hope that they return my money. 

The support is terrible. Not the way to conduct business when money is involved. Three to four days to respond to a support inquiry would I think be considered a violation in the banking industry. Since these exchanges deal in XXXX currency standards which Banks must adhere to should be required for these exchanges also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
Gregory Funding has not responded to my complaints with in the 30 days period. Gregory Funding is not paying my property taxes from my monthly mortgage escrow. I will escrow my monthly mortgage payments moving forward and pay the taxes myself until this problem is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The
State: TX

Complaint narrative:
Northern Trust manages a trust from my mothers estate for the last 3 years or so. I am a beneficiary of the account but in all those years they have never sent a statement to me until last month. In that statement I found that they somehow 'forgot ' to distribute residual funds that should have been distributed to the beneficiaries. 
And simply because they have their foot on my neck, they charge fees so that this account - which is all cash, loses value every month. After a while it will disappear into their vault. 
Northern Trust clearly had instructions to distribute the funds to the beneficiaries 3 years ago. 
I do not know how or why I got the account statement from them. It looks to me like this is my account with $ XXXX in it. No one else is listed. But now they are suggesting that I am only a 1/4 share owner. 
I asked for distribution, but now they say they have to 'calculate ' the refund. They have the computing power of the pentagon, but they cant make out how much to distribute? I is a fabrication on the face. And the phone number on the statement 3/4 of them are dead.It took them weeks to finally respond to my messages.

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