vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
Currently, Online Information Services is attempting to collect a debt from me on the behalf of XXXX XXXX XXXX XXXXXXXX Illinois. XXXX XXXX, XXXX have disputed the debt on my behalf through the credit bureaus '. My dispute is based on the dollar amount of the debt being incorrect. This company won't acknowledge receipt of the dispute. They won't research the validity of the debt, nor will they communicate with me over the phone about the debt, claiming they need to speak to my legal team XXXX XXXX XXXX XXXX first. The refusal of communication from Online Information Services prohibits me from attempting to come to a resolution for the debt. However Online Information Services has responded to the dispute via the credit bureaus as the debt being accurate. I hired XXXX XXXX back in XXXX of XXXX to handle the dispute portion for collections on my behalf only. This information has been conveyed to XXXX, the Asst Manager with Online Information Services on XX/XX/XXXX. She still refused to communicate with me about a debt that they are claiming as mine. 

In XXXX of XXXX I spoke to a representative about this debt, but I don't think it was from this company. The representative ( whomever that was ) also refused to prove the validity on the amount of the debt. In the original dispute filed XXXX XXXX alleged on my behalf that the amount of the debt is invalid. Complaint : XXXX XXXX neglected to discontinue my service after I moved out of the home on XX/XX/XXXX. I reported my move out to XXXX XXXX XXXX in the week following XXXX of XXXX. Despite my attempt to discontinue services and finalize the account, XXXX  XXXX continued to provide services to the new tenant in my name until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from Experian saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information. 
They need to remove it. 
XXXX. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with 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 2021-07-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

Jpmcb card XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
SANTANDER IS GOING THROUGH A LAWSUIT IN WHICH I WAS ONE OF MANY VICTIMS THAT INTIATED THIS LAWSUIT. PLEASE SEE THE ATTACHED DOCUMENT. I NO LONGER HAVE THE VEHICLE AND SANTANDER HAS SOLD THE ASSET. THE BALANCE AND/OR ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORTING ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I filed a police report regarding these fraud accounts. They are not mine so please check with department and remove it as Police does not remove the fraud accounts.

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 2021-07-08 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: FL

Complaint narrative:
I filed a police report regarding these fraud accounts. They are not mine so please check with department and remove it as Police does not remove the fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
I sold my home in XXXX, Florida and paid off the mortgage with Loan Depot. The balance was paid off on XXXX XX/XX/2021. Per the law I was to be refunded my escrow balance and any overpayments. I have yet been able to receive my refund. According to Loan Depot the refund was mailed on XXXX XX/XX/2021 but was mailed to an erroneous address which I never received. I was told on XXXX XX/XX/2021 that I had to wait until XXXX XX/XX/2021 to ensure the check had not been cashed and that they would reissue the check and express mail it to me overnight on the following Monday XXXX XXXX and that I was to call in on Tuesday and receive the tracking number for the shipment. I was then told on Tuesday that the check had not been reissued nor sent overnight. I spoke with a supervisor who assured me the check would be reissued on XXXX XXXX and on XXXX XXXX I could call and get the tracking number. On XXXX XXXX I was told that the check had been released but had not been sent overnight because there was no tracking number. To date on XXXX XXXX I have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}

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 2021-07-08 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: IL

Complaint narrative:
There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

XXXX card XX/XX/XXXX XXXX card 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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted XXXX on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to XXXX requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to XXXX requesting removal because collection agency did not respond to my request and did not provide validation. 
XXXX  responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to XXXX requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did XXXX obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting XXXX to properly investigate this account and to remove since it cant be validated. XXXX I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
They refuse to grant me access to my own credit file. They think they own me. I have no issues with XXXX  or XXXX XXXX, just Equifax. They have been blocking my access to my own credit file for over two years now. This is scandalous. My account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NV

Complaint narrative:
RE : DELETIONS TO CREDIT REPORT Within the copy of my credit report which I have received recently, I found items of concern for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
When I called to understand their fees they provided little to know insight. I tried to work with the cell phone companies but they refused to work 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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern : In XX/XX/2021, somebody tried to deposit a blank check into my account. I was immediately contacted by the bank and was told that the check could not be processed due to insufficient funds in the depositor 's account. I do NOT know who this person is, and why they tried to deposit a blank check into my account. I told my bank this, asking that they ignore the transaction. I was contacted by the fraud department a few days later and I explained the situation again, as I noticed my account had been frozen. 

Prior to this incident, I had never had any issues with the bank, and I had certainly never been in this kind of situation. I am an attorney admitted to practice in the State of New York, and would NEVER involve myself in fraud. I was the victim of fraud and I kindly ask that the bank investigate this further and remove this report from my account immediately. I have been employed at a law firm for 2 years as an associate and all my paychecks used were made directly to this account. It was my only checking account and now I have to deal with this inaccurate report that was caused by no fault of mine. Please remove this remark immediately. 

Kind regards, 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 2021-07-08 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: FL

Complaint narrative:
Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.

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 2021-07-08 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: FL

Complaint narrative:
Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I contacted Healthcare Receivables on XX/XX/2021 by certified mail requesting validation of collection acct. ( NO RESPONSE ) On XX/XX/2021 I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another certified letter I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another follow up letter was sent requesting validation ( NO RESPONSE ) Its been 73 business days since I sent my original request for validation to the collection agency Healthcare Receivables and I have yet to receive a response to validate this collection account and authority to report harsh information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
On or about XXXX or XX/XX/XXXX, I submitted a complaint against the company for false representation of amount owed to the company. The company adjusted the balance in the letter to CFPB but failed to update my credit report for the payments made even though the company had reported inaccurate and false information about my account. They falsely reported the amount owed on the account and did not list the payments made on the account. 

Almost a year later after filing the first complaint against the company and almost a year after they promised to adjust the balance, they have not updated my credit report and have allowed the update from XXXX which did not correctly reflect my payment history or the amount owed on the account. Instead, they have neglected their responsibility to correct the false information on my account and have refused to remove it. 

This is now nine months of continuing to allow false information against me to be reported on my credit report. There is no excuse for harming my reputation.

Company response to consumer: Closed with explanation