vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have requested Validation on a collection being reported on my XXXX  credit report by National Credit Adjusters Account # XXXX, I sent a letter certified mail asking for Validation of this debt XX/XX/2020 and received no response I have also filed a complaint with The XXXX XXXX XXXX Complaint ID # XXXX to again try to ask for Validation from National Credit Adjusters it has been over 30 days and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TX

Complaint narrative:
( 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.

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 2020-11-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXXXXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I dont know who this company is. They showed up on my XXXX and XXXX credit reports. I never had any account with XXXX XXXX. I never received any collection notices or phone calls. I will upload my address for them to send verification information and collection notices. Please see if the address is the correct one you have.

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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a capital one card I done the pre qualify thing they have first because I didnt want my credit run for nothing and have an unnecessary inquiry on my credit they said I was pre approved so I went ahead and applied and was denied the reason this seems awful funny to me is my credit score is higher than my wifes and she has 2 cards through them this is not right at all my score is 29 points higher than hers the government needs to really start punishment on this card companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CBC Companies, Inc.
State: TX

Complaint narrative:
( 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America added {$1700.00} on my Escrow account which has nothing to do with them. I pay my escrow through my primary mortgage. I have tried many times to find out why this happened with many unsuccessful attempts. Ive called many times and have been refused to speak with anyone in the Escrow analysis department nor have I received any explanation on why this happened. I have sent messages with no response. The messages were sent back and acknowledged on the XXXX of XXXX, 2020, yet still no response. Ive been given a forbearance until the end of XXXX for a payment arrangement but however still no response or explanation on why the escrow amount that was charged to my account. Ive have told them many times this gets paid through primary mortgage. Ive spoken with my primary mortgage and theyve heard nothing from Bank of America regarding this matter. I would like to know how legally Bank of America can put charges on my account that arent mine and inflate my now due. 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 2020-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX does not report my balance correctly every month to credit bureaus. Repeatedly this company willfully harmed by reporting fraudulent balance to Equifax, XXXX and XXXX - these companies harming my credit score every month. For example, the correct balance of XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I received my first letter from this company just a few weeks ago. Since then they have called me and made sure to flag my credit report on a weekly basis as a collection account. I have several issues with this collection account. 

1. ) It appears that they are not licensed to collect in Iowa. Please see attached.

2. ) Their aggressive tactics.

3. ) I have never signed anything or agreed to do business with this company.

4. ) They show an incorrect/incomplete account number so there is no way to verify that it is mine.

5. ) They show it as a collection account with a balance. My understanding is that collection accounts are not supposed to show a balance. 

To my knowledge, all of the above issues are violations of the FCRA and I would like them to immediately stop trying to collect from me and to remove their collection account from my credit reports.

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 2020-11-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. The company Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. I will not be paying this unknown debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of 2020, I contacted Chase Bank XXXX XXXX XXXX to get assistance with the deferment of my lease payment. At that time, I explained that my husband was unable to work due to XXXX causing loss of his entire income. I requested assistance and was advised that two of my payments would be deferred. At that time my payments with the lease were current. I entered into the deferment. However later in the year, I began to receive collection calls from Chase Bank. At this time, they alleged that my lease payment was behind. I explained that this couldn't be correct because I entered into a deferment due to the pandemic ( a natural disaster ) due to a loss of income as a result of XXXX. I was then told that because my lease was behind for the month of XXXX and XXXX, the deferment was applied to those months. I quickly retorted that this is impossible. Even of this is the case, why wasn't I told prior to entering into the deferment to allow me the ability to remedy this? 

I was then advised to prevent further collection activities and possible repossession of the vehicle, I would need to turn the vehicle in. This took place in XXXX. Yet, Chase reported the car as a " repossession '' on my credit report. I quickly called them and reminded them of what was promised and demanded that they remove this notation from their internal system as well as from any credit agencies if such had been reported. While they corrected that part, they are still reporting the months of XXXX and XXXX as " 30 days late '' when I was told lease was allegedly behind for the months of XXXX and XXXX. I never heard of any late payments until this time by phone or in writing. None of my contact information has changed since opening this account. It is unclear why I was never notified of the alleged payments that were " not made '' according to XXXX. 

At this time, because of the vast amount of conflicting, misleading, and misinformation given by each representative, it is unclear if ANY of this information is correct. This entire experience of incompetence has caused great financial harm to my family as well as my credit scores and my ability to be extended credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XX/XX/2020 I authorized XXXX XXXX to charge my business debit Visa card for a purchase which was never filled. I waited weeks before giving up with the vendor and then contacted Bank of America to start a dispute. Dispute was opened first week of XXXX and was told a provisional credit would given while they investigate especially since I supplied proof of tracking info and that package never left there store. Few days go buy no credit, so j call then Im told that they would issue credit but I would have to wait 30-45 days for investigation to take place. 45 days come and I call and they say need to wait 60 days because Merchany hadnt responded. 60 days was on XXXX I called and they said that credit should be issued soon, few more days go by I call and now Im being told it was 90days to complete investigation new date is XXXX. I call on XXXX and they tell me it should have taken place just waiting on visa to reverse the transaction. BofA would follow up with me by the end of bussiness that day. I never got a call or email. I call again and after 2 hours on the phone i get someone that can look up claim and tell me that all the other reps misinformed me and that there is no time fram and that we just have to wait for the merchant to make decision on there end or respond to dispute. So hypothetically rep said it could take another few months or years. No guarantee even no Im the victim and have proof

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 monetary relief
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020

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 2020-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CORELOGIC INC
State: DC

Complaint narrative:
CREDCO Mortgage Reporters Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2021

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 2020-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX???? 

the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date? 

so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX

Company response to consumer: Closed with explanation