vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: WA

Complaint narrative:
Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This complaint stems from an original complaint filed with CFPB against Ally Financial under Complaint # XXXX, submitted on XX/XX/2021. 

After the original complaint was submitted through CFPB, Ally Financial indicated that they would be correcting the inaccurate, incomplete information. They stopped the enforcement of repossessing my vehicle but they did not correct the inaccurate posting of monthly installments based on our previous agreements. 

I sent the attached notices to Ally Financial to correct the two late payments they were indicating on my credit report as well as a recent one day late payment which was incorrect. 

XXXX, an analyst at Ally Financial telephone me and indicated that they did correct the one error of reporting but the other two errors were accurate. I disagreed with him and explained prior conversations indicated that the two errors were on the fault of Ally Financial and that Ally Financial would be correcting the errors. 

XXXX, advised that he would be sending me written payment history and records to reflect that the two late payments shown on my credit report were accurate. This conversation with XXXX took place over a month ago and to date, I still have not received any written verification of data from Ally Financial and hence, Ally Financial has had more than a year to correct their records. 

I am once again, asking CFPB to intervene by any means necessary to adjudicate an expediate rectifying of my credit report. They are causing unnecessary negative reporting which was never due to anything on my end.

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 2022-08-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This is a continuation from case number : XXXX and case number : XXXX. 
The issue : My account is showing as past due. My credit report is now showing 30 days past due - causing my credit score to drop and I have a late charge on my account. 

Situation : XX/XX/XXXX - XXXX XXXX- Received a call from XXXX, she let me know XXXX is no longer with the company. She is reviewing my calls. She hopes to have the issue resolved by this XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX- I called XXXX and left a vm asking for her to return my call.

I checked my account online and it's not updated. I let her know this is the 3rd call I've made to her without a response. 
XX/XX/XXXX XXXX - XXXX called me and let me know a credit was placed on my account for {$1300.00}. XXXX said is going to advocate for a full monthly payment to be credited to the account. She will follow up with me on Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX the following week. She also let me know she would remove the late fee on the account ( XXXX, XXXX, XXXX ) Please review ALL calls. 
XXXX and I spoke multiple time on XX/XX/XXXX because we were not in agreement with how the money was lining up on the account. 
XXXX never followed up with me to confirm if the full payment would be credited, it wasn't until I received a note on my door on XX/XX/XXXX and called in that I found out nothing was done. Since then, I've called XXXX three times left a voicemail each time and I have not received a follow up call yet. A field inspector came to my house and left a note on my door to call Loan Care - That is unacceptable considering all the back and forth communication I've had with the company. That tells me there are not clear notes on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

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 2022-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was scammed for {$1000.00}. 

On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX  because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX  to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I'm trying to use the insurance feature on the card for delayed baggage and flight cancellation. It is my belief that I've brought them all of the documents they've asked for, but Chase keeps coming up with more hurdles while failing to alert me that they want more documents. It's as if they do not want to make good on their card features.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received email for new account opened at Truist bank on XX/XX/XXXX. Received a notice of account closure on XX/XX/XXXX, dated for XX/XX/XXXX. Called to confirm cancellation on XX/XX/XXXX. Called was received by and was told to file an identity theft complaint. Was asked for all information, including ssn and telephone number. Was told that complaint could not be finalized without this information. Did not give information. I would like to confirm this account is no longer an issue and that my information is secure.

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 2022-08-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I continue to get bills from XXXX that do not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received information via email on a Wells Fargo account that had a balance of {$0.00}. I have not had an open nor active Wells Fargo checking or credit card account opened for years. When I spoke to customer service they advised that a checking account was opened on XX/XX/XXXX. Once I was connected with the Fraud department they investigated the account and deemed that it was " Fraud '' and closed the account. This also allowed them to delete my online banking information. The fraud specialist advised that they were unable to tell me how this happened. When I check my XXXX account and other credit resources, there is no unusual activity. Now, on XX/XX/XXXX I received an email from Wells Fargo welcoming me to their online banking. Since the last incident I constantly keep tabs on my credit and unusual activity. There has been no unusual activity and Wells Fargo fraud specialist continue to classify this as possible Fraud. Now an investigation will be happening again. In this process the account statement that was sent on XX/XX/XXXX was sent to a previous address and forwarded to my new address. I have been in my new address for a year now, which they have on file from the previous claim. Wells Fargo is unable to identify and explain how thorough their process is and only communicated by mail on general identity theft claims.

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Conn's, Inc.
State: LA

Complaint narrative:
Phone call after phone call all day. Being told they going to take action against us. Refusing payment when we try to make it. Saying that's not good enough we need it now period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as Experian, XXXX, and XXXX with non of them properly updating the info

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 2022-08-08 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: FL

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX credit is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.

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 2022-08-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g

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 2022-08-08 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: Stern & Stern. P.C.
State: NY

Complaint narrative:
STERN & STERN PC Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX NY, XXXX Hard inquiry by Stern & Stern above. I never gave this company consent to access my credit report.

I demand that hard inquiry to be removed from all 3 credit reporting agencies and {$1000.00} compensation for my rights being violated. IF Stern & Stern believes that they had my consent to pull my credit, I demand such signed documents to be produced.

Violations : 15 USC 6801 -- Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation