vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/21, I sent SchoolsFirst FCU a letter stating the following information pursuant to 15 USC 1692g ( b ) : The alleged debt of {$3900.00} is disputed. 

They received the letter on XX/XX/21. See Exhibit A. 

On XX/XX/21, I received communications from SchoolsFirst FCU in the form of an Account Summary. They did not cease attempts to collect on the disputed debt of {$3900.00} for 30 days until they obtained proper verification of the alleged debt, or provide me with the name and address of the original creditor, pursuant to 15 USC 1692g ( b ). They continued to send bills in the form of an Account Summary on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. See Exhibit A. 

On XX/XX/21, I filed a Small Claims case against SchoolsFirst FCU. See attached. 

On XX/XX/21, I received communications from XXXX  stating that the disputed debt in question was DELETED. See attached. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of phone calls at very inconvenient times without any prior consent given directly to them to do so, which is a violation pursuant to 15 USC 1692c ( a ). See Exhibit B. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of a letter, using obscene or profane language, threatening to report this account to the credit bureaus. By doing this, they have ruined my general reputation as a consumer. SchoolsFirst FCU is in violation of 15 USC 1681. See Exhibit C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: KS

Complaint narrative:
company continues to pursuit a debt that was discharged in bankruptcy court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have had mortgage forbearance through the Coronavirus Aid, Relief and Economic Security ( CARES ) since XXXX as it has been extended until XX/XX/XXXX. A white envelope has mailed by the mortgage company arrived which contained Mortgage Modification documents along with other documents required to completed by the NOTARY PUBLIC OFFICER. 
I have taken such documents for the Notarization as directed and mailed completed documents within said due date to the mortgage company in provided stamp free envelope. The required documents has notarized and mailed twice in different dates after talking back and forth without resolving errors & delayed in process to complete Loan Modification has caused Rejection by the MORTGAGE SERVICES. 
I noticed on my credit report that my mortgage company is reporting monthly to the credit bureaus that my balance has increased. In addition my sons and my score dropped XXXX points. My credit reports now say my mortgage balance is over {$16000.00} more than I actually owe. I read that " As part of the Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. Also adding incorrect information, and decreasing my credit score due to this erroneous information? 

One final note Our account XXXX myself & my sons ) in good standing when the forbearance began. 

I would like explanation on error from MORTGAGE Company on following issues as follows. 
1. MISCOMMUNICATION WHILE PROVIDING INFORMATION TO COMPLETE MODIFICATION DOCUMENTS. 
2. FAILED TO PROVIDE SIMPLE & CLEAR POINT TO POINT INSTRUCTIONS IN BASIC ENGLISH FOR NOTARY PUBLIC OFFICER. 
3. AS CALLED TO SPEAK WITH THEM ( WHO EVER PICKUP PHONES ) UNABLE TO SPEAK CLEAR ENGLISH TO BE UNDERSTAND ). NOR UNABLE TO PROPERLY RECTIFY ISSUE BY SAYING, THE COMPUTER SYSTEM IS SLOW, THE MODULE ARE NOT FULLY LOADING ON THE COMPUTER AND APOLOGIES REPEATABLY WITH OUT LISTENING & SOLVING THE ACTUAL ISSUE. 
4. ALSO WHEN EVER HAVING PHONE COMMUNICATION FIRST WORD COMES OUT OF THERE MOUTH IS DEMANDING FOR THE DUES WITH THREADING. 

I would like this matter to be rectify in professional manner in the COURT OF JUSTICE to teach such company a lesson by revokes their license to practice in the STATE OF TEXAS for minimum of 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to retrieve my Equifax credit report. I even went so far as to sign up for their highest product tier, which is {$19.00}, was charged for it, and still am unable to access the account or my credit report/profile. I have called dozens of times, written to them, as well as faxed. They don't respond to my letters or faxes, and on the call, the agent just resets my password and tells me to wait 30 minutes and try again - same result. I am now being billed for a product I can not use. Now, my credit cards are being closed because they can not access my Equifax credit profile, and am unable to apply for any new credit because of this. I even had the agent change my email and password to no avail. Sometimes, when I try to sign in, it says an account doesn't exist and to sign up. When I enter in my information to sign up, it says an account already exists and to sign in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I had XXXX XXXX and when I moved away to texas on XX/XX/2020. I called and spoke to a rep.. to disconnect. Then in XXXX of 2020 I was told they didnt recieve my request. I told them again to disconnect. Then an old neighbor said my electric was still on so again I called them in XX/XX/2020 and the rep assured me that if the power was still on it was not under my account. She said more likely the home owner. Then now I dispute after not having any luck with any of XXXX XXXX customer service reps. And they continue to not even look into it. They made an error and now I'm being held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo froze my account with over {$800.00} in it and tried to tell me theyre not going to release my funds for 180 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. 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 : JPMCB CARD SERVICES # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank routinely offers me an option of " equal monthly payments '' for purchases on XXXX, at 6.74 % for a specific amount of months, typically 3 or 6, depending on the total purchase price, on my Citi Diamond Preferred card. The issue is that I already have a 0 % rate on all purchases on my Citi Diamond Preferred card, through next summer ( 2022 ). Therefore, Citi and XXXX 's joint financing " offer '' is misleading and fraudulently entices misinformed Citibank customers to opt in to what appears to be a special interest rate that's lower than the customer 's normal purchase interest rate on their Citi card, when in fact it could be higher than their existing rate. This fraud is unacceptable and the CFPB should investigate and end this collusion between Citi and 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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I attempted to put a credit freeze in place with Experian. First I created an account, but found that an Experian account does not allow you to freeze and unfreeze your credit ( compare with XXXX, which makes this easy ). 

I then went to XXXX XXXX XXXX  where I had to re-enter ALL of my information. After doing so with care, I got an error saying " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' and a message asking me to submit the information via SNAIL MAIL. ( Seriously? ) It seems Experian is trying to make it so hard for people to freeze their credit that they won't bother. This is very shady and does not seem like a good faith implementation of the law.

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 2021-08-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX, I never received a letter from XXXX with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per XXXX agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from XXXX with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with Experian, XXXX  and XXXX. 
On XX/XX/XXXX I received a notification from Experian that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( XXXX ) has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in Experian Credit report about Public Records : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX 

XXXX and Experian and playing games with the consumers, when I called XXXX about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to Experian and any other credit bureau. But when I call Experian they say that XXXX is the one verifying and reporting the Bankruptcy to my Experian Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.

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 2021-08-12 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: CO

Complaint narrative:
I have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2017, Experian unlawfully used my credit report without my permissible permission leading to the fraudulent and forged loan with XXXX XXXX XXXX XXXX listed in my credit report. Attached is the incomplete, undated, and forged application used to access my credit report. It was sent to me by XXXX XXXX XXXX XXXX as the document used to asscess my personal information. It was not to be processed by Experian but Experian allowed it. Also attached is the sheriffs report filed in XX/XX/2017 listing XXXX XXXX. Experian can blame whoever they want but remove XXXX XXXX XXXX XXXX from my 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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Car loan was paid off in full and the other 2 credit agencies show no debt or balance pay charge off. It is clear from their reports. Trans Union shows there is a balance of {$470.00} and it should be {$0.00}.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
To Whom It May Concern : I contacted this company and asked them to furnish my consumer report, I was rudely told " No '' that the FDCPA does not apply to there organization. I am bewildered with anger no this is not the law. The company is furnishing TransUnion with information that infringes on my consumer rights. It is inaccurate reporting. XXXX is claiming I have 2 bankruptcies on XXXX being a chapter XXXX and the other a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: LEXISNEXIS
State: TX

Complaint narrative:
I have sent two letters ( certified mail ) to Lexis Nexis disputing numerous inaccuracies on my LN report, They have failed to respond both times. There is inaccurate information they're reporting that is hurting my credit, and my car insurance is double what it was before they started reporting inaccurate information. These people must be held responsible for what they're doing to consumers by reporting inaccurate information. Here is the tracking numbers for both dispute letters I have sent. Please see to it that they're made aware that they are in violation for the FCRA and I need them to stop reporting inaccurate information. Thank you XXXX. XX/XX/2021 Tracking USPS : XXXX XXXX. XX/XX/2021 Tracking USPS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Products were ordered from the vendor in XXXX of 2021. 
Products were to be shipped and received by XX/XX/2021. 
Items were not received at that time. 

Attempted cancellation with vendor after 2 weeks delay. Vendor refuses cancellation. Asks for patience. 
Items received on XX/XX/2021. 
XXXX XX/XX/2021 via USPS, and was received by the vendor according to USPS tracking on XX/XX/XXXX. 
Multiple calls to the vendor requesting refund " yes, it will be refunded '' still has not been processed. 

When attempting to reach out to their allied financial institution ( Comenity Bank ), and attempting to raise a credit card dispute, Comenity interfered and refused to process or take information relating to the fraud / dispute, on 3 occasions ( on XX/XX/2021 ) - representatives were unwilling to process the complaint, and proceeded to disconnect the call. 
The only general contact information for Comenity aside from the vendor card is a debt-collection agency, which reportedly has no account information.

Company response to consumer: Closed with explanation