vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MO

Complaint narrative:
I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Account XXXX/XXXX XXXX showing as delinquent when its not. So much inaccuracy. 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap. XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: AL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove the following as these are suspicious:XXXX XXXX		XXXX XXXX		XXXX XXXX		XXXX		XXXX XXXX XXXX,		XXXX		XXXX	XXXX XXXX XXXX	and

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: FL

Complaint narrative:
Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them  I want to send my DOCUMENTS through this complaint thanks.

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 2019-08-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: FL

Complaint narrative:
Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them I want to send my DOCUMENTS through this complaint thanks.

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 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC
State: MI

Complaint narrative:
First heritage Credit in XXXX, TN called asked for the wrong person I asked that the not call the phone anymore and XXXX XXXX or should I say XXXX still did. Also called a work number and was asked not to call there and she called again the next day which is a violation of the fair debt collection practices act. That vey next day when she was told not to call the day before spoke to an HR director asking personal information about an employee. And told the HR director that she was going to garnish the wages when she shouldn't and where can she send the garnishment to. This employee has not even been served so that was a threat when the company doesn't even have a judgement. XXXX XXXX XXXX slandered this employees name and discredited her deformation of character. I spoke with her supervisor XXXX XXXX who works out of XXXX, TN office he said he knows nothing of the issue and that she shouldn't have said that if there was no judgment and employee has not been served. I also called the county clerk office in XXXX to see if they sent anything through there courts in XXXX county circuit court. I spoke with XXXX and XXXX on XX/XX/XXXX she explained she has not filings with the courts under any such name or other names possibly used. XXXX XXXX also said he would contact me by the end of the day to let me know what was going on. I never heard from him and I as well called the office back and he still was not there. This is a violation of practices when the employee has not been served or a judgement nor even a letter to inform her of the account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2019-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have had a second mortgage with Bank of America for years now. My payment is $XXXX due by the XXXX  of each month. I always receive a statement and since I bank with Bank of America, I simply transfer the funds by bill pay. For July, I received a statement for the month and I made the payment from bill pay on XX/XX/2019 in the amount of $XXXX. The money was removed from my account within 24 hours as usual. On XX/XX/2019, I received a notice from XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX indicating that my loan had been transferred from Bank of America  to their company and any payments after XX/XX/2019 should be paid to them. Well, on XX/XX/2019 I made the payment to Bank of America per the statement that I received. I contacted XX/XX/XXXXto advise and was told that they didn't have the payment and they were my new servicer. XX/XX/XXXX doesn't have the payment and Bank of America claims as of XX/XX/XXXX the account has been closed.I have been going backwards and forwards since then trying to locate the monies with no avail. XX/XX/XXXXsent me a statement for August indicating that the July payment is still due. Bank of America is oblivious of the payment even though the payment was deducted from my Bank of America checking account.I need to either have the payment sent to XX/XX/XXXX or the money put back into my account so that I can pay XX/XX/XXXXwithout late fees.See documents enclosed for verification.

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 2019-08-01 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have disputed Bank of America several times about this account. Each time they are saying it is reportable because I owe this debt. The debt is too old to be on my account. Recently XXXX and XXXX has disputed this company only to get the same response. After talking with a Customer Service Rep with their company ( and this info has been recorded in their files ) he explained the XXXX process. They agreed to deleted XXXX account in XX/XX/XXXX but not the other. Both accounts were submitted to Credit Bureau agencies under the same circumstances. The account with the higher balance has had dates changed as to when it was submitted. ( see attached ) I am being told there is recent activity. How so? Last retail date on this account is XX/XX/XXXX. Last payment date is XX/XX/XXXX. I was told by the Customer Service Rep that any debt cancelled under IRS rules are the person is not obligated to pay the remaining balance. We are in the XXXX year of the XXXX issued in XXXX. Taxed amounts were paid. I am concerned that the amounts shown on XXXX are not in sync with the amount reported to credit bureaus as well. I have talked with 6-7 managers at Bank of America. None will release this debt but released the other. I filed a dispute with XXXX and XXXX  XXXX Bank of America reopened and reissued another report against me in XX/XX/XXXX for the same accounted they deleted in XX/XX/XXXX. XXXX  resolved dispute. XXXX just received theirs and dropped my credit rating. There seems to be a lot of confusion going on in credit and collections. Managers are very argumentative and will do vindictive things like reissuing reports that have been resolved. They also will list your account so no one can speak with you but XXXX of them.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter to this collector and they have since failed to validate the debt or even respond. After the XXXX  days given to respond expired, this is now being reported to my credit report on XX/XX/XXXX, which is a clear violation of the FDCPA. Swiftly remove the debt and credit report remarks before I file suit. This will be my last attempt to resolve this matter before suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: HI

Complaint narrative:
The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX XXXX, XXXX XXXX XXXX..they have nothing to do with me

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 2019-08-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX  XXXX  XXXX XXXX XXXX..they have nothing to do with me

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
There are 3 open collections showing on my credit report form 1st pt. I have never received notification of this debt. There have been no attempts to contact me at my address or phone number. The first knowledge of this debt is XX/XX/XXXX when it popped up on my credit file as 3 new collections in the amounts of {$48.00}, {$100.00} and {$130.00} all from XXXX XXXX XXXX. One of the are passed statute of limitations in the state of North Carolina. Also accounts are from XXXX and I have filed Chapter XXXX XX/XX/XXXX and all accounts were included. These accounts need to be removed from my credit file immediately as they are included in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX and XXXX serious breach of my privacy rights 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 2019-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Management Services, LP
State: NY

Complaint narrative:
The company Capital Management Services Collections Agency is currently harassing me having people claim to be officers call me. Stating that they have legal documents to serve me with court dates. I called them and they did not want to provide me with the documents they claim to serve with me with. I am not going to pay for something i do not have proof of They stated they attempted to come to my home which is a XXXX, never left any notice or anything. They would have found me at home since I am not working and am always home. I went to the my county court and they told me I had no open cases and that what they are doing to me is illegal. The debt they are trying to collect is old and does not even show up on my credit report. They are harassing me and my relatives and this needs to be stopped. they fail to provide me with any information but still have people claiming to be officers call me everyday, it is very scary and unlawful.

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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: NY

Complaint narrative:
I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.

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