vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Benworth Capital Partners LLC
State: OH

Complaint narrative:
XX/XX/XXXX of this year my account was locked due XXXX XXXX  not accepting ACH PAYMENTS which I was told they were they then closed my account a month later which was XX/XX/XXXX took a long time to respond back to my email I have them my personal information thinking I was going to get it resolved never did they kept saying check my account for a update nothing. So I took it to the XXXX  they couldn't help me. It's. They told me to contact the depositor which was BENWORTH Capital LLC they don't respond all phone lines are always busy and I'm struggling I have no money to pay my bills or nothing. Someone needs to do something about BENWORTH I was told after the fact my money was froze that they are a fraudulent lender. My checking has {$390.00} my savings is {$2100.00} and can't get to it. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: MD

Complaint narrative:
I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. 

Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about XXXX of the settlement and agreed to pay them by the end of the month. 

After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. 

While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  CONTINUE TO REPORT ON TRANS UNION ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH TRANS UNION REMOVAL.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have an account from XXXX XXXX XXXX  owing over {$45000.00}. Experian continues to report that Im to pay {$45000.00} per month even though I sent them proof that I have an agreement to pay {$250.00} per month. All other agencies has corrected to monthly payment amount but Experian refuses to thereby causing my credit score to stay low and creditors believe that I pay over {$45000.00} per month in child support which is not true. I have been disputing for 2 years from XXXX Now Experian is refusing to accept my disputes which is against the law. The will not fix my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Cain & Weiner sent me a letter full of FCDA and FCRA violations after I sent them a cease and desist letter and affidavit telling them to remove all things off of my credit report. They caused defamation of my character, destroyed my reputation by submitting data on my consumer report without my consent which they stated in there letter. And stated they were attempting to collect a debt even after they deleted there reports. They admitted to there wrong doing and agreed they were in the wrong to all forms I submitted to there company. And it caused me to miss out on a lot of opportunities such as car loans, house opportunities etc. due to there mistakes. I am seeking Remedy of XXXX per violation with a total of XXXX and XXXX for assessed damages of emotional stress, defamation of character and unseen injuries.

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 — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was the victim of multiple credit card fraud via a HomeDepot/Citibank card. This fraud was timely reported to Citibank on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a 100+ point drop in my Credit Score and is due to a negative remark reported to XXXX by Citibank on one of these fraud accounts ( THE HOME DEPOT/CBNA # XXXX ) I contacted Citi and they told me they can't do anything since they sold this account to GC Services collection company. 

I need Citibank to contact XXXX  and remove this remark since it was a fraudulent purchase. 

I need XXXX  XXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need Citibank to send me a check with the {$120.00} credit I was debited from my account during the fraud.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have reached out to portfolio recovery on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both portfolio recovery and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
JC Penney calls my cell phone multiple times per week trying to reach someone else. I have told them repeatedly that they have the wrong number, but they keep calling.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1200.00} Reason : Identity theft Please remove it from my Credit 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type XXXX Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : Amount Delinquent : Account Balance : XXXX Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX ( The year of the Pandemic ) A document was sent from XXXX ( aka PHH Mortgage Services ) stating I was approved for permanent loan modification so to help me be able to pay my mortgage during my hard times. I was instructed to sign the documents and return them before XXXX XXXX for which I did. My monthly payments were reduced to {$400.00} which I paid on time each month by way of XXXX XXXX as per XXXX  instructions. 

XXXX XXXX I received certified mail with expedited foreclosure documents enclosed filed with XXXX County District Court 133rd. Stating the following : " As of XXXX XXXX -- XXXX XXXX XXXX XXXX monthly payments have not been paid. The amount required to cure the default is {$5700.00}. The total amount to pay off the loan agreement, contract, or lien is {$44000.00}. 

Notice to cure the default has been sent by certified mail to each respondent who is obligated to pay the underlying debt or obligation. The opportunity to cure has expired. '' The problem is, I had signed a loan modification and were making payments as per our agreement so why are they acting as if they received no replies, or efforts to pay the debt. None of my payments were returned nor were they applied on the debt. 

When calls were made to XXXX I was told I didn't return my signed mortgage modification which I did within the time frame they instructed. So they resent another mortgage modification form, and I repeated the process and still they claim they didn't receive that signed loan modification documents. 

I need a third party to investigate for fraud because XXXX XXXX is acting as if I've not attempted to make any payments. Now I'm being threatened by them with foreclosure when I did as XXXX their servicer instructed me. Since they are behaving in a unfair and unjust manner I need someone to do a securitization audit of my mortgage to see if any fraud has taken place.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX : Request for Investigation/Removal of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 

I contacted each company who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I also contacted all three major credit bureaus. 

I request that you initiate an investigation into the following inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All above inquires have been without my knowledge. 

Thank you 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX BALANCE {$370.00} XX/XX/XXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XX/XX/XXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit hospital. 
I have no luck, Also I attended XXXX University which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.

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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

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: Nelnet, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC
State: VA

Complaint narrative:
on XX/XX/21 XXXX  from ARC debt collection called me regarding unpaid hospital bills. Told me the total balance is {$1900.00}. She asked if i could pay it today. I told her that i needed a payment arrangement. She asked if i could pay today. I said no. She then told me that if I didnt make a payment today then it could effect my credit negatively. I then asked to speak to the supervisor. I waited on hold for 10 minutes. XXXX XXXX came on the phone. I told him when i asked what the rep meant by effecting me negatively. She said just like i said. He then said it would effect me negatively as well. When i asked him how it would if i didnt make a payment today then he said well it could if you dont make a payment by the end of XXXX. He wouldnt let me speak and continued to talk over me. then he proceeded to tell me that i have 6 accounts in their offices but would tell me verbally which ones, dates and how much. just said i will send in the mail. when i asked who is superior was he refused and said i cant talk to him. i advised i didnt ask to. i just asked who it was and he said XXXX XXXX is the owner. The treatment i received was very unprofessional and threatening. I have no problem with setting up payment plan but to be talked to in this type of manner is not in any way professional

Company response to consumer: Closed with explanation