vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: NC

Complaint narrative:
I have received a debt collection notice from Allied International Credit Corp., ( AIC ) which stated I had an ebay balance due with Reference # XXXX. I have not purchased anything from XXXX and I contacted XXXX and the rep confirmed indeed I have no related activity. I logged into my XXXX account, which I had to activate as it was deactivated due to lack of usage. And indeed it shows no activity, no balances owed, no purchases of any kind. I googled AIC and have seen that multiple parties have received the same from this company stating that they have an XXXX balance and that it is also false information. I was warned not to call AIC directly and instead to report it as it was a known issue by XXXX and their legal group was " working on it ''. Amount states that I owe {$380.00} and their information is as follows : Allied International Credit Corp. , ( US ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Notice even claims you can sign into the XXXX account to pay the debt, but there is XXXX debt and that is not even how XXXX works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with PHH Mortgage. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which PHH has illegally reported to XXXX  on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor PHH has the Legal Right to Report or update any information pertaining to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good morning, I'm filing this dispute against Transunion and XXXX  based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX XXXX  is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so

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 2021-06-04 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: IL

Complaint narrative:
I have requested numerous method of verifications and advised I have no contract with an account called XXXX XXXX. Equifax removed it off my credit and then added it back a few days later. They still have not sent me the information I have requested. All they ever say account is verified. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report. If they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of the letter then they must remove these accounts from my credit report. This is about my 4th complaint with you all and now I have went to the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: OK

Complaint narrative:
I went to this gym 2 times almost 5 years ago!!! Never went back and canceled. I was under the impression that I was on a month to month and could cancel anytime. Its been almost 5 years ago XXXX of 2016 and Ive never heard anything from them and now theyre trying to sell me debt to someone and slap it on my credit 5 years later! This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Insight Management Partners, LLC
State: TX

Complaint narrative:
XXXX called and informed me of the debt. Got hostile when I told him to respond in writing. Told me Im 46 and to pay my billsthis is ridiculous when I tried to explain my rights he laughed and told me I said the wrong thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One charged the contractual annual membership fee on my XXXX credit card account on XX/XX/XXXX. I called their customer service the following week asking for options to reduce or waive that fee, since i do not use this credit card as my main card anymore but do like having it in my wallet for convenience. The only option they gave me was to close the account within 40 days after posting of that fee. Then I asked them to convert the credit card to one of their no-membership fee cards, but the agent said that even then the fee would stay as charged although the agent also confirmed that the annual membership fee that was charged in XX/XX/XXXX is for the next 12 months ( i.e. XX/XX/XXXX through XX/XX/XXXX ). 

I decided not to close the account, because the card has a much lower APR point then a new credit card that i would open today. Subsequently, I asked Capital One to convert this account to their XXXX credit card, which doesn't have a fee, and doesn't have the features as the XXXX card which warrant the fee. However, the {$95.00} fee i paid on XXXX to Capital One stayed with them, and i will not get any of the advertised benefits of the membership fee for the next 12 months for which they made me pay for. 

For reference i had this credit card since XXXX have never once been delinquent and have excellent credit in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Good morning, I'm filing this dispute against XXXX  and Equifax based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX Equifax is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB Management Services is contacting me about a auto loan from XXXX XXXX. XXXX had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to NCB Management with whom I have never done business. I keep getting harassing calls and threats from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: LA

Complaint narrative:
On XX/XX/2021 I sent dispute letters out over 60 days ago regarding information being reported on my credit report that is a HIPAA LAW VIOLATION. I have not received a response from the parties involved. 
I received a copy of my credit report and the listed accounts that are reporting on my credit report are clearly disclosed in my dispute letters, with my personal information, the providers that shared my health information with third parties and the account numbers. I am very concerned about this matter and highly need a response with a investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX Coinbase disabled my account due to security reasons. I simply asked about a charge on my account that I totally forgot I made! The charge was for XXXX dollars. After asking about the charge coinbase automatically disabled my account without even investigating or anything!! This is totally not right when Ive got A LOT of money on there. Now here it is 19 business days and 25 total days that I havent had access to my account! This is a problem that I should be able to call coinbase talk to a live person and get this issue fixed within 30 minutes! Coinbase doesnt have a customer support team at all! There is no one to talk to ive only gotten generic emails back saying they are working on the issue and usually takes 4-5 business days to resolve. Ive emailed them at least 10 times and only get the same email back. Please please please help me in any way you can! That money I have on coinbase is a lot of my life savings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: WA

Complaint narrative:
I checked my mail today, XXXX21 and I received a letter dated XXXX21 from a company called Allied International Credit Corp, XXXX XXXX XXXX  XXXX XXXX, XXXX VA. 
The letter is a collection letter, stating they are collecting for XXXX and I owe {$300.00}. 
I know by my records that I do not. I contacted XXXX and they confirmed that I do not have an outstanding balance. 
I am certain this is a scam and checking on the XXXX Community website I'm not the only one receive this letter. 

They want you to contact XXXX XXXX at XXXX. 
Their website is " www.aiccorp.com ''. 
Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is contacting me about a auto loan from Santander Consumer. Santander had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to XXXX XXXX with whom I have never done business. I keep getting harassing calls and threats from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I was informed by my estranged husband that a mortgage refinance loan had been approved by Millenial Home Lending and that within the next 30 days I had to sign the documents. The mortgage refinance loan was approved at a rate of 2.49 %. 

This confused me because I am on the current mortgage loan and did not consent to any mortgage refinance. Upon reaching out to the company and the mortgage consultant, I was able to receive the signed document which showed my estranged husband 's information and incorrect information that he provided for my profile. He listed all of my personal information, falsified my income, and misrepresented our status as married instead of selecting the option for separated. 

I was unaware of the application because the mortgage consultant and my estranged husband listed his email address and phone number for both of our profiles during the application process. This allowed my estranged husband to fully submit the application, forge multiple electronic signatures for my profile, have my credit pulled, and the loan terms locked in with me being fully responsible for the refinanced loan without any communication or approval from me. 

I contacted Millenial Home Lending and spoke with XXXX XXXX and requested the mortgage application be cancelled and that a fraud investigation be opened. The signed mortgage application documents were provided to me on XX/XX/XXXX but Mr. XXXX has not responded to my request to investigate how this application was allowed to be completed without my involvement.

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 2021-06-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX  This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with Experian and they stated the information was correct. This reporting information is not true.

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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase continues to harass me and calls before hours. I have picked up the phone numerous times to ask them to please stop calling. Just this morning they called at XXXX PST, just as they did on XX/XX/XXXX, at exactly the same time. This is illegal and a violation of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with XXXX  and they stated the information was correct. This reporting information is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: LA

Complaint narrative:
90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.

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