vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MN

Complaint narrative:
I received a call from LJ Ross Associates ( https : //www.ljross.com/ ) on XX/XX/20. The very rude individual claimed that I owed XXXX XXXX XXXX XXXX XXXX {$68.00}. 

I had lived in the greater XXXX XXXX area 2 years ago. They correctly stated my street address from that residence. 

Due to the aggressive nature of the call and my knowledge that I did not owe XXXX XXXX XXXX anything, I ended the call. I then called XXXX XXXX XXXX, who researched my past account and verified that I had paid all balances and closed the account properly. They also verified that they had not enlisted a collections agency as I had no debt with them. 

I called LJ Ross Associates the next day ( XX/XX/20 ). The same person answered the phone ( a very young-sounding female ). She was able to identify my account from my phone number, but incorrectly gave my address as the title company in XXXX, CA that handled my home sale. She then correctly stated my prior home address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA ). 

I informed her about my conversation with XXXX XXXX XXXX. She told me that was not true, and that they had been retained by XXXX XXXX XXXX Accounts Payable, and that I should call them and talk to a Supervisor. I informed her I had spoked to a Supervisor, and again informed her what they had said. She said that they had all my info, including my social security number, and that if I did not pay they would escalate collection procedures. 

I asked what State they operated in, as I was going to call law enforcement. She said " Good luck with that '' and hung up. 

I am very concerned that this entity has my information. Please direct me how I can file a claim against this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. 

They started asking for my credit history from the XXXX and today the XXXX of 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 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
this company called XXXX XXXX is a riff company paying car bills for alost 3years failed to provide gap when i bought the and over charging me i was giving the chance to go throu the loan and for me and the interest. amount remaining blc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Apparently I applied for credit through Wayfair, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called Comenity Bank/Wayfair reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On several occasions I have contacted Macy 's, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( XXXX XXXX XXXX ) - XX/XX/XXXX {$680.00} XXXX XXXX, XXXX ( XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}

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 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted Transunion and XXXX they asking for another police 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 2020-11-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted XXXX and XXXX they asking for another police 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 non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
A couple of years ago, I was making purchases on the Wayfair site, and was offered a Wayfair credit card. I accepted the offer, and opened an account. Recently, I was advised by Comenity ( the bank that facilitated the account ) that the account was being converted from a Wayfair-specific account to a general purpose Mastercard. I received the new card, activated it, and used it for a couple of online purchases. I paid the balance in full. 

When checking the account via their online portal, it reflected a XXXX balance, with a credit limit of {$3500.00}, but the available credit reflected {$0.00}. I submitted an inquiry via their secure mailbox on the site on XX/XX/2020. I received a response on XX/XX/2020 advising me that the account is " temporarily suspended '', and that I would need to call a toll free number to get further assistance. Upon calling the number, I was prompted to indicate whether or not I was over fifty years old ( yes or no were the only options - no other opportunity was presented ). When I indicated yes, I was connected to what I initially thought was a live person ( there was a pause for me to respond to a question regarding the connection ), but soon realized it was an automated recording of a pitch for a " free '' medical alert button. It went on in great detail as to how expensive these buttons could be. I soon disconnected the call ( not being interested in the sales pitch ), and attempted to redial the toll free number. Each of the subsequent three attempts resulted in a failure to connect ( I received a message that " the number you have dialed is not available from your calling area '' ). 

I went back to the secure message service on the Comenity website, and responded with the results of my attempt to contact them via the toll free number previously provided ( this message was sent on XX/XX/2020 ). I expressed my concern that this " temporary suspension '' was simply a ploy to sell me additional unwanted services. 
I advised that if I did not receive an update on the status of my account, that I would be filing a complaint with the CFPB. 

Today ( XX/XX/2020 ), I received another response via the secure message service that was pretty much identical to the initial response, and it stated that I needed to call the same toll free number. 

I am concerned that this particular institution is attempting to take advantage of potentially less financially savvy older customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like Capital One XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX Chrysler and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
XXXX credit card that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. 

I have filed a police report, provided them with the police report and they removed it from my XXXX  report and placed it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

The bank is the issuer of my Apple Credit Master Card ending in XXXX. The credit limit set was {$3000.00} I have been using the card for purchases and services charges and in my first month I have Charged {$5300.00} and made electronic payments in the amount of {$4700.00}, so currently I should have a balance of {$630.00} and available credit to spend of {$2300.00} XX/XX/XXXX : {$4.00} Posted Immediately XX/XX/XXXX {$360.00} Posted Immediately XX/XX/XXXX {$1600.00} Posted ( After I called in Customer Service 2nd day ) XX/XX/XXXX {$2500.00} Did not Post The bank posted my first two payments immediately. Third payment did not post until after I called in the second day and the representative informed me that they usually would hold the payment for 3 days for my protection, in case I made it in error! 

The last payment did not post, and when I called in I was told it will not post until XX/XX/XXXX! I asked why and was told that it usually takes 7 to 12 days to " process payment!!, When I told them that the previous customer service representative had told me 3 days and now you are telling me 7 to 12 days, and if that is in the credit card agreement, the supervisor told me YES it is and she will send me a copy of the agreement. 

Upon reviewing the Card Terms and Conditions agreement ( copy attached ), under When We Credit Your Payment section on Page 10/19 ( copy attached ), The bank terms state that they will credit my account the next day. In the section below, the bank reserves the right to withhold credit availability of payments for a period of time, which is not qualified or quantified. 

I can understand if the bank is having a problem with the customer and is looking to reevaluate the credit availability, but when a customer is making payments in full before time, with no credit or payment problems, and when the payment funds have been deducted from my account, the payment should post immediately. We can accept 1 day or -on exception, 2 days processing, but 12 days to process payment is stretching it. This is unfair and violates the terms of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
They called me 5 times today, XX/XX/20 and hung up on me when I answered the last call and told them to stop calling me. XXXX, Twice at XXXX, then XXXX, and XXXX. 

This company has called me anywhere from XXXX to XXXX 5 or more times a day for the last few weeks, but when I answer and tell them to stop, they hang up.

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 2020-11-24 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: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXXXXXX XXXX # XXXX - XXXX 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