vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: Security Credit Services, LLC
State: FL

Complaint narrative:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Hi Santander ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Description : Refund of extra {$1500.00} deducted from my account and sent to *********Claim number # XXXX I had purchased an item from Mr XXXX and paid via XXXX XXXX the XXXX of XX/XX/XXXX The initial XXXX transfer did not pull through, evidenced by no deductions from my account and non payment to Mr XXXX XXXX account. I called BoA at XXXX XX/XX/XXXX but received no response. I had to repeat the transaction, and this time I received text message confirmation request which I confirmed. The transfer went through this time. The next day XX/XX/XXXX, I rechecked my account and noticed that Mr. XXXX had been paid twice adding up to {$3000.00} instead of the one confirmed {$1500.00}. I called BoA thrice on XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  and again received no response. The next day I called and was given a claim number, that would be settled within 10 days. I alerted offerup the buying platform myself and Mr. XXXX used. I also contacted Mr. XXXX via the platform. BoA could have halted the transaction, but did not. After 10 days, I called again and this time I was told the bank bears no responsibilities whatsoever and they can only reach out to the other bank and wait for a response for the next 90 days. This response does not promise a refund. I explained to them that if the XXXX platform on BoA website was working perfectly, and if they had responded to their calls, this would not have happened and as such the bank does bear responsibility for the inefficiency of this transaction. Situations like this are not uncommon with BoA Mr XXXX has since closed his page on offer up, his phone number XXXX has since been unreachable. 

As proof that transactions like this occur regularly with BoA, I had another one today. Tried over 10 times and called them twice today alone, spending days on a transaction that should have been less than 5 minutes. 


I reached out to the XXXX and was referred here

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 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

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 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I declared banckruptcy court on XXXX XXXX and case was discharged of debators on XXXX, XXXX. I contacted Citibank whom I had the home equity loan with in XX/XX/XXXX there is no record on file at all. Contacted Citibank after bankruptcy and they refused to speak to me and Citibank stopped sending and pymts. 
They stated that another servicing company might have my account since it is so old the company name is XXXX. Contacted this servicing company as well an they said no contact information is on file I don't exist at all. 
There is lien on my home property that I would like to be removed. If I could please have a release of lien via XXXX and a satisfaction of mortgage. Also if there was a charge off done from Citibank.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
Last year I found a false account with Discover reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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: Southern Auto Finance Co
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account SAFCO Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a XXXX account. There should be no changes reported to it AT ALL!!!! I have tried to request a XXXX from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Fleet Financial, Inc.
State: MO

Complaint narrative:
On XXXX XXXX I received an email from iLendingDIRECT stating that I had been declined credit and that they had pulled my credit report for their review. The issue at hand is that I never applied for credit with iLendingDIRECT and had never applied to refinance my vehicle as they stated was the purpose of the loan. I contacted the company demanding a retraction on my credit report, and inquired as to why they would pull my credit without my permission. After blocking my emails initially, I was phoned twice, the first time to speak concerning the issue, the second to extend an offer for credit, I have the voicemails of each saved, remember they already declined me the day before. I wrote again explaining I needed to be contacted by email for hearing reasons. Since then I have received several emails blaming some other company I had never heard of and denying any responsibility for pulling my credit report as their letter clearly states they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-05-20 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: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.

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 2021-05-21 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: Bay Shore Finance, Inc.
State: MS

Complaint narrative:
I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS BAYSHORE FINANCE AND XXXX  HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM 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 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I spoke with a capital one cc supervisor after the initial csr couldnt assist. The company took the full amount of bill which I submitted on the XXXX. Then told me it would be 8 days before the funds were accessible to me. 

I told her its not right that every other payment Ive made usually the minimum or a little more was available within 24 to 48 hours. I told her that was unacceptable and I wanted to speak with her supervisor. 

She said she was the last front and there was nothing she could do. I asked when my Acct was opened. She responded XXXX. I told her to close it and hung up after a couple of not so nice words.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
I submitted a complaint with CFPB about XXXX XXXX XXXX XXXX stated that they are only the 3rd party trying to collect. Pentrick Capital Partners are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. Pentrick had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now Pentrick Capital Partners hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
In XX/XX/2021, I became aware that Eastern Account System was reporting that I missed payments to XXXX XXXX. These accounts do not belong to me. I sent a letter to Eastern Account System on XX/XX/2021, notifying them of the error and requesting that they correct the error with the credit reporting bureaus. According to the USPS, the letter was received by Eastern Account System on XX/XX/2021. I also disputed the accounts with XXXX, XXXX, and XXXX. XXXX and XXXX removed the information from my report, but I'm still waiting to hear from XXXX. Today, I was notified by XXXX XXXX alert notification system that the accounts have one again been reported by Eastern Account System as delinquent accounts. I will have to now start a new dispute with the credit reporting bureaus. I still have not received a response from Eastern Account System to my XX/XX/2021, letter, even though they received my letter over two months ago. My credit score has dropped by over 100 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation