vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
We filed a compliant last XX/XX/2020 with you all Ref. XXXX with you all and they were to stop any further actions due to not being able to produce docs that they were representing the Treasury Dept and DOD ( Dept of Defense ). They are now endeavoring to have our personal Oregon XX/XX/XXXX tax refund short paid by {$1300.00}. I am having to file an appeal that cost me {$280.00} for the OR Tax Court to review and stop this effort. Please help stop these unfair and dishonest practices from the CBE Group. They place this dis-information on file with the XXXX XXXX , Tax Courts and through the mail to focus on Federal employees and military. Then represent themselves as a third party contracted by the Government and believe if you owe the military or federal they settle directly through your paycheck. Please help reopen this claim against CBE Group and address this collector 's conduct of continuing to collect on a debt they can not back up with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I am inquiring in how to resolve a debt reporting to my credit report. The medical bill in question belongs to my son and or ex husband. My ex was the primary who carried the insurance on my son at the time. The credit report reporting the debt has ignored all attempts at communicating with them. They never answer the phone, do not return voicemails, and or emails. I have disputed on all 3 credit reports with request for this company to contact me and provide proof of debt. There is still no communication. The company in question is Wakefield and Associates. I have made complaints with the XXXX. Please direct me in how to resolve this concern I am trying to buy a house and this is a major negative affect on my credit report. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMGI, LLC
State: CA

Complaint narrative:
Theyve pulled my credit file placing a hard inquiry on my report numerous times lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I pulled my credit report and this account is reporting as an open account as of XX/XX/2021 today is XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: GA

Complaint narrative:
I recently received a letter in the mail from Novad Management Consulting stating that after XX/XX/21 I would have a new mortgage loan servicer. However I have never even heard of this company, so I contact my actual mortgage provider and they stated that my loan was not in the process of being transferred to another company and they thought this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IL

Complaint narrative:
I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery ( https : //www.portfoliorecovery.com/ ) will not stop contacting me. I've talked to them roughly 20 times and have asked them to please stop calling my number as the person they're looking for either doesn't work at our school anymore, or has never worked here. I've spoken to supervisors, and customer service agents REPEATEDLY. They will not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I the natural person and consumer sent EQUIFAX/XXXX XXXX a copy of the police report I filed with my local police department XXXX COUNTY SHERIFFS DEPARTMENT, with the FTC, copies of my identity, a notarized identity theft affidavit and written a statement and written instructions stating " Concerning the accounts listed below as the consumer Im demanding you delete and block these accounts : 1. XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 2. XXXX/XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXX  ACCOUNT # xxxxxxxxxxxx XXXX 4. XXXX XXXX ACCOUNT # xxxxxxxxxxxx XXXX 5. XXXX xxxxxxxxxxxx XXXX 6. XXXX XXXX XXXX  ACCOUNT # xxxxx XXXX 7. XXXX XXXX XXXX ACCOUNT xxxxx XXXX 8. XXXX XXXX XXXX  ACCOUNT xxxxx XXXX Concerning the inquiries listed below as the consumer Im demanding you delete and block these inquiries : 1. XXXX - CARD SERVICES 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Delete and block the address XXXX XXXX XXXX XXXX SC XXXX. 




Send me a copy of my credit file to reflect all of the deletions., '' Which they received on XX/XX/XXXX with a green return receipt, about the identity theft they had committed and to delete and block the information arising from this identity theft from my consumer reports within 4 business days pursuant to federal law 15 USC 1681c-2. EQUIFAX/XXXX XXXX have not yet deleted and blocked this information from my consumer reports. This is causing me the consumer and natural person much financial harm as it is weighing against my character, reputation and credit standing. I never gave EQUIFAX/XXXX  XXXX consent to report this information and this is a direct violation of my right to privacy. I am a federally protected consumer and the Fair Credit Reporting act was created to protect me and my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). These actions are illegal as EQUIFAXXXXX XXXX are breaking several federal laws. EQUIFAX/XXXX XXXX are civilly liable for the damages this is causing me and my family pursuant to 15 USC 1681n in which I will pursue. I have attached a copy of the documents that was sent by certified mail with a copy of the green return receipt that shows XXXX XXXX received the documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX XXXX  XXXX XXXX Alliant Credit Union XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX One Main Financial XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I had recieved a letter from Apple Bank telling me that I had an account that was in danger of being given up to the state due to inactivity. Upon receipt of this letter i visited the XXXX branch of Apple Bank in XXXX XXXX, NY and attempted to access the account information. I was able to learn that this was a Custodial account opened at least a decade ago by my mother with me set as the beneficiary to recieve the funds when I became an adult. Now, being XXXX XXXX XXXX the Custodial account should have been transferred fully into my name as per the UTMA ( Uniform Transfer to Minors Act ). However, Apple Bank now refuses to allow me to have any information about the account but will allow my mother to withdraw all the funds even though the XXXX clearly states that the funds should now be in my sole control and that no withdrawal shall be made that does not benefit the beneficiary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: KY

Complaint narrative:
I received a letter from American Coradius International concerning a XXXX account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on XXXX website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a XXXX account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to XXXX and I would not hear from them again. XXXX should require more verification to open an account and not put thousands of people in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
XXXX Consumer solutions Is still negatively reporting XXXX  XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from XXXX Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance

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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I previously submitted a complaint ( XXXX ) against Flagship Credit Acceptance , I uploaded all of the documentation including correspondence to them and from them, copies of my affidavit of facts which was notarized, and green receipts, to which they replied my request was frivolous, they said this dispute was previously investigated which in fact wasnt, and they also stated that they reasonably believe that my dispute was prepared for me by a credit repair organization. I am a consumer and I know my rights, I do not need a freaking organization to fix what is not broken, Flagship has violated my consumer rights and I have found the violations, I have stated my demands, and I have sent a copy of my bill of particulars that I am owed. This needs to be resolved now, this company is taking full advantage of consumers that do not know their rights and now I am aware of mine and will continue complaining about their violations without the need for any help from no credit repair organizations, which if Flagship keeps mentioning I will educate them how credit repair organizations also violate consumer rights. I feel offended at the fact that I can not use the appropriate verbiage and/or cite codes because Flagship deems it frivolous. Flagship is a fraud, has caused me emotional stress, has caused me money and hardship, they need to be held accountable for their false advertising, false and deceptive forms, I AM A CONSUMER AND I AM EXERCISING MY XXXX RIGHTS THAT FLAGSHIP HAS DECIDED TO CALL XXXX FRIVOLOUS. 
I have done my administrative process, I have my exhibits and if this is not resolved through CFPB I will gladly scale this to court and continue my process until I get my remedy. 

THE UPLOADING PROGRAM DOES NOT LET ME UPLOAD ALL OF THE DOCUMENTS AND EXHIBITS BECAUSE IT IS LARGER THAT THE ALLOWED SIZE

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime bank denied my dispute. I want proof of how they can deny me, IT WASNT ME. I had 2 transactions ( ATM withdrawals ) come out on XX/XX/2021. One was at XXXX XXXX  in the amount of {$400.00}, the other was at XXXX XXXX, in the amount of {$43.00}. I didnt realize my card was missing, but my phone was missing from work on the night of the XXXX. I never thought about my card. On the afternoon of the XXXX of XXXX, my phone appeared back at work, but had been completely reset. Still had not noticed my missing card. Didnt need it. I thought it was strange about my phone, but was happy to have her back. Well on the XXXX I went to get gas, realized my card was missing. But, I tried to use XXXX XXXX ( connected to my chime card ), and it denied me for insufficient funds. Thats when I looked at my account and realized. {$440.00} missing. I immediately made the dispute, and turned in letter that night. Well, today, day 10 provisional credit day, and they deny me. I am losing everything because of this, power, rent, and theres no way they can stand behind their findings, because it was not me that took that money. Someone stole my phone and had fun. They will not really talk to me or give me a good reason for denying me. Wont let me talk to a superior. How can they deny me? I have a police report now, as well. Because there have been numerous cards opened fraudulently in my name as well. Please help me. My email is XXXX. XXXX is my first name. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
Transunion Consumer solutions Is still negatively reporting XXXX XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from transunion Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance

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 2021-09-22 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: GA

Complaint narrative:
XXXX XXXX XXXX Amount {$39000.00} Validate account/ Different dates of last activity XXXX  XXXX  Amount {$29000.00} Validate account/ Different dates of last activity XXXX XXXX XXXXXXXX Amount {$38000.00} Validate account/ Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$600.00} Validate account/Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$850.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX Amount {$1100.00} Validate account/Different dates of last activity XXXX XXXX XXXX  Amount {$9200.00} Validate account/Different dates of last activity XXXX XXXX XXXX Amount {$570.00} Validate account

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 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I took out a loan with Navy Federal Credit Union when I was in the XXXX XXXX and lived in XXXX XXXX XXXX. I was medically XXXX and on medical leave and moved to XXXX. I never received any notice about this debt or an attempt to collect. As you can see on the XXXX  court system they have the wrong address and an employer that I only worked for very shortly ; my father just went to sell a pIece of property and they had attached a judgement that I had no idea about to my fathers property. That isnt even in my name. For the wrong person and social. This loan is from XX/XX/XXXX. I have never received notice or communitcation in regards to this debt and was only just made aware when my father called and told me NFCU attached a lien on his personal property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I received a letter from XXXX XXXX XXXX concerning a PayPal account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on PayPals website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a PayPal  account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to PayPal and I would not hear from them again. PayPal should require more verification to open an account and not put thousands of people in this position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: WA

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