vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
There's a collection showing on my credit in the amount of {$2500.00} and original creditor was XXXX XXXX. The collection company is receivables Performance who were rude and not helpful when I called. My name is common and I have never had an account with XXXX which they acknowledge. The collection agency won't listen to me and aren't willing to investigate it with XXXX, they just want their money. I don't owe this money and I really am upset because this is ruining my credit. I disputed through the bureaus and they haven't responded so I am hoping that your institution will take action in my defense. 

Thanks 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 2019-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/ 2018 I sent letters to XXXX, Transunion, XXXX and XXXX XXXX asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian show debt reported incorrectly

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 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Comerica
State: TX

Complaint narrative:
XX/XX/XXXX I closed an account with XXXX XXXX. This past XX/XX/XXXX a check was cut for {$2000.00} and mailed to me. That check has never reached me. I have tried without success to contact and talk with anyone. It has been 3 years that I have been trying to collect this money in which i had to spend hundreds of dollars in court fees getting together the correct paperwork. I have reached out to the us treasury and ask for help. That is where this company is a branch of. I have tried every avenue i know of to contact anybody with this company for answers to why i have not received this check without any success. i did everything i was asked to do by them initially to receive it which was filing a small estate affidavit which cost me {$200.00} through the court as well as provide all documentation ( death certificate and birth certificate ) After they said they sent the check and i waited a reasonable amount of time to receive it all communication stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated 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 2019-02-23 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: GA

Complaint narrative:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: LEXISNEXIS
State: GA

Complaint narrative:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: FL

Complaint narrative:
This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Innovis
State: GA

Complaint narrative:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ID Analytics, Inc.
State: GA

Complaint narrative:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated 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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This debt appeared on my credit report prior to having received any information about the debt at all. It was reported days prior to receiving notification. No information was received from who they claim the current creditor is nor from who the original creditor they claim is. I disputed the debt and requested validation and it reappeared on my credit reports within 2 days without receiving any verification or validation from anyone that the debt is valid. The dispute results gave no information as to what was updated after the dispute. It only said account updated, and the information was exactly the same as it was prior to disputing. I have absolutely no idea what this debt is, why they claim I owe it, what it was for, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: PA

Complaint narrative:
They sent an act 91. I sent the one payment I was behind and the current payment that was due. I did not sent the extra fees. They returned my payment on XX/XX/XXXX. I sent it in on XX/XX/XXXX or XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There is a couple of items thats showing up that I am unaware about

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 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status XX/XX/XXXX Submitted follow-up letter with Affadavit of Residence XX/XX/XXXX Received letter from PayPal Credit requesing copy of driver 's license XX/XX/XXXX Submitted a copy of my drivers license as requested XX/XX/XXXX Received letter from PayPal Credit again requesting copy of driver 's license XX/XX/XXXX Submitted another copy of my drivers license as requested XX/XX/XXXX Received detailed documentation from PayPal Credit about the disputed charges XX/XX/XXXX Contacted customer security operations to inquire about status of complaint XX/XX/XXXX Contacted XXXX County Police to file report XX/XX/XXXX XXXX County police contact PalPal Credit to let them know report had been filed XX/XX/XXXX Contacted customer security operations to inquire about status of complaint. 
Was told that I would have to send them a copy of police report. 
Was originally told by XXXX County Poolice that PayPal Credit would have to request it. 
Sent an e-mail to XXXX County Police requesting report under FOIA.

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 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio Recovery keeps changing their caller ID number and calls me every single day. I have asked them well over a dozen times now to quit calling me but they do it twice a day anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: Penn Credit Corporation
State: PA

Complaint narrative:
On the XX/XX/2019, i filed a complaint against PENN CREDIT CORPORATION due to inaccurate information they're reporting to the Credit Bureaus. I requested full verification and proof of ownership of the account with documentations showing my signature agreeing to do business with them or the XXXX XXXX XXXX, based on the four page documentations they sent i now believe they are trying to collect money unfairly from the wrong person. i see no signature, no billing statements that breaks down how i owe the money. Yes it is true i did live at the address they mentioned in the past which is XXXX XXXX XXXX but they got the wrong apartment my wife and i lived in apartment 2 floor rear and not 2 floor front as they claims in the documentation provided, the smallest unit in the house is where we lived. one more thing they don't know is our living condition at the time, four tenants shared a large house that the owner separated into four different apartments. One incident i remembered is when i first moved in my unit, the previous tenant didn't pay their gas bill and XXXX put that responsibility on me, i disputed that bill and it was rectify now i think they are playing the same tricks to unlawfully make me pay for a service i never utilized. Below are all four sheets of documents i received from them, but still not proof of my ownership of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GreenSky, LLC
State: CO

Complaint narrative:
We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/2018 I sent letters to XXXX, XXXX, Experian and XXXX XXXX  asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.

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 2019-02-23 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: LEXISNEXIS
State: OH

Complaint narrative:
In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
ONE MAINE XXXX XXXX XXXX XXXX XXXX IN XXXX No phone number available Date inquiry / XX/XX/XXXX Above-mentioned company made inquiry on my XXXX   report # XXXX for XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had a Chase XXXX credit card. It was shutdown by Chase for undisclosed reasons. I did not attempt to have this credit card restored. XXXX started providing very favorable XXXX rewards and I did not believe dealing with Chase was worth reopening my account. 

Sometime later I applied for and received a Chase XXXX XXXX XXXX. I used that card for about two months before Chase closed this account in XX/XX/2018. 

Chase did not give me any warnings and I found out this was done while in the XXXX XXXX VIP lounge given to United Chase credit card holders in XXXX XXXX, California. ( You get two passes a year. ) Once I got home in XXXX XXXX I attempted to have this issue resolved. I called Chases customer support and was told they determined to close my account for the same undisclosed reasons they closed my Chase XXXX credit card account. I did not get to speak to the individuals who made this decision directly and told there was no way to escalate my claim any higher. 

I am not sure why my Chase XXXX credit card was canceled. I have not been told. I did use this card frequently and received cash from Chase based on its 5 % cash back on XXXX products. I always paid my bills and have been an exemplary consumer of credit cards. My credit score speaks for itself. 

I would like Chase to allow me to have both credit cards, but at the very least allow me to have a XXXX XXXX   card and if I choose to do so in the future, a XXXX  and XXXX Chase Credit Card. 

XXXX is the primary airlines in my home town and I frequently travel for work. XXXX hotels are also my hotels of choice and would appreciate the ability to someday earn points by having a Chase XXXX and Chase XXXX airline card. Chases postition as the credit card provider of many of my services of choice has made their arbitrary decision to not provide me services very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DLC, LLC
State: NV

Complaint narrative:
During the month of XXXX someone compromise my accounts that made me an able to pay back a lender the company was notified and I told them I will keep them informed of whats been going on when I went to work the company had sent directly to an unsecured fax documents requesting information on myself although the fax was titled HR management The documents were never sent to the human resource department they were sent directly to my department which is a violation of my privacy. I notified the company and they said its part of their collection procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX I received a welcome phone call from Global Lending XXXX. On XX/XX/XXXX I received a call from XXXX XXXX stating that I need to return the car or get a co-signer. I returned the car on XX/XX/XXXX to XXXX XXXX who at that time stated he did find a bank that was going to approve me. I just had to leave my car take the loaner and bring my paystub. When I returned back to the dealership on XX/XX/XXXX I was told my part-time job working 60hrs a pay period I couldn't use. This was all a scam and they are wrong I signed a contract.

Company response to consumer: Closed with explanation