vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My account was closed by card issuer without notice or explanation. I was thus denied benefits of the card ( mileage points on purchases I was forced to make using a different card ), deprived of the use for which I had paid an annual fee, and left in the dark. There was no balance due at the time of closure and my credit rating is above XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX has reported to my TransUnion credit report on XXXX, XXXX, 2020. Ive never seen this company nor have I done any business with them. I believe this is fraud. Please delete this from my TransUnion credit report 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 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE FINANCIAL SERVICES , INC is reporting a medical debt from XXXX XXXX XXXX in the amount of {$1700.00} since XXXX of 2017. I have disputed this debt as a hippa violation and sent a validation letter and have not got a response. Furthermore the bureaus state that the debt is verified as accurate without any documentation. CMRE FINANCIAL SERVICES , INC is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA and to my knowledge is not licensed or bonded to legally collect a debt in the state of Texas. I am more than disappointed at the affects this has had on my credit report the last 3 years. Please have them remove this debt due to the aforementioned. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
To Whom it may concern : I was erroneously charged unallowable property preservation and Mortgage Servicing fees. My family and I were a victim of a horrific fire and understood that all fees were resolved with the insurance claim and the most recent payment of {$330.00} which was included in a statement from XXXX. 
We have been consistently harassed with an erroneous debt. In an effort to prevent further XXXX episodes, we began making payments. However making these payments are detrimental to my health, as it is a constant reminder of our horrific experience. 
I have appealed these fees in the amount of {$2900.00} with the new services Carrington Mortgage. We've been waiting on the appeal decision for over a month now. They have started charging new monthly payments for XXXX and XXXX. We just want this cleared. 

My mortgage was sold to Carrington in 2020. This is our loan number : XXXX. XXXX provided me with the final principal balance including all fees. That balance was {$330.00} which satisfied. After my loan was sold to Carrington, I was informed that I now owe {$2900.00}. Carrington also incorrectly applied my escrow credit to these fees. I want reimbursement & resolution. 

Sincerely, Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING 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 2020-07-20 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: AZ

Complaint narrative:
XXXX Transunion and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX  XXXX BOX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax, XXXX  and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AZ

Complaint narrative:
XXXX XXXX  and Experian continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX BOX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX  has reported on my TransUnion credit report on XXXX, XXXX, 2020. Ive NEVER done any business with this company. I dont know this company and I definitely believe this is Fraud. I want this company deleted from my TransUnion credit report 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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has carried the name 'XXXX XXXX on my account and the as the primary name associated with my SS # since at least 1992. I have tried repeatedly to have Equifax delete this name from my credit report, and they continue to not delete this erroneous name. 
Not so incidentally, all the other credit bureaus have my name correctly and do not carry the erroneous name anywhere! 
CREDIT REPORT XXXX XXXX Report Confirmation XXXX Dear XXXX XXXX : Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you may Initiate an investigation request via the Internet 24 hours a day, 7 days a week at : www.investigate.equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is not safe as it says it should be. I have a transaction amount of {$23.00} dollars and {$20.00} dollars. I try to reach out to them to file for fraud, was unreachable. I had to rely on help center which was a confusing site for me to file for fraud. I wanted my account to be safe and locked. No options were there as well. I want assistance via phone but they can not help at this time thats what they say when u call me. Im afraid of having my account getting hack, getting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was notified by Bank of America on XX/XX/XXXX that a credit card was approved in my name and would be sent out an old address of mine. I called and had the account closed and submitted a fraud claim. I was told they would send me a copy of the application that was filled out along with a letter of my claim. After several weeks of trying to obtain the information they stated I need to file for Subpoena to obtain the application that was filled out. Is this common practice or do I have rights in this matter? I would like to know what personal information was obtain for them to issue a credit card.

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 2020-07-20 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I was granted payment relief and forbearance of my federal student loans with Great Lakes due to a loss in income. The way that this was reported negatively impacted my credit score. I  contacted Great Lakes and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have my identity theft report to midland credit Management and they are still attempting to collect Dept via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TX

Complaint narrative:
FTC Violations XXXX XXXX {$810.00} XXXX   {$20000.00} WF/Dillard {$1700.00} XXXX XXXX 's {$270.00} XXXX {$1300.00} XXXX XXXX   {$520.00} XXXX {$840.00} XXXX consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the XXXX XXXX XXXX It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the XXXXair Credit Billing Act ( FCBA ).

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I recently sent a complaint out to tge company who said that I am represented by a attorney which is not the case. 

ARS needs to respond with answers. 

To Whom It May Concern : I am sending this letter to you in response an item your company has placed on my credit report. Today XX/XX/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose.

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 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX va, set up with direct payments to Bridecrest Financial, first scheduled car payment of XXXX did go though on XX/XX/XXXX and clear the my checking account. i received phone call from Brigdecrest on XX/XX/XXXX after i canceled a XXXX extended warranty and GAP insurance that there was problem with the down payment of XXXX dollars and a block was placed on the debt card, i called XXXX XXXX and the rep claimed since it was a large payment of XXXX it was declined but could recharge, i called Bridecrest the rep explained i would need a letter from XXXX XXXX Bank Manager stating it was the bank fault, i called XXXX XXXX since no branches were opened due to covid 19 and the rep said send the reason it was declined off the online banking statement which i did and put the charge back though, Bridgecrest would not except and claimed i was in default of the contract terms for the down payment which i could have reinstated that day, Brigdecrest denied any further payments which i offered to pay more per month I asked how can this be adjusted or worked out the rep explained it can't and won't we are going to repo the car, i tried everything in my power to correct the situation and they offered no resolution on this matter the car was repossessed on XX/XX/XXXX and the rep claimed it would be a contract rewind and wouldn't show up on my credit report, a week later showed up as repo on all three credit reports and can't get another car loan, i have not received any notification from Bridecrest on this matter and have called Bridgecrest many times they claim it takes time remove from credit report. on XX/XX/XXXX spoke with Bridecrest collection and the car is being sold at auction and i will be responsible for any balance left over, i was never notified from Bridgecrest that they intended to auction off this isn't the first case of this happening though Brigdecrest over 1000 complaints to XXXX of misleading contracts, this company needs to be investigated by VA states attorney 's office

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting erroneous information on my credit file. Equifax has refused to properly investigate my dispute and provide me detailed documentation, and DELETE this incorrect item from my credit file. 

Equifax is refusing to delete the following erroneous item from my credit file : Chapter XXXX Bankruptcy I filed this dispute with Equifax online on XX/XX/2020 and less than 24 hours ( XX/XX/2020 ), I am being told it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I turned in my lease a year ago. 

this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
VIOLATOR ID:XXXX  TRANSPONDER #: XXXX  
I REACHED OUT VIA PHONE TO A CUSTOMER SERVICE REPRESENTATIVE ABOUT A $XXXX  NOTICE I RECEIVED FOR TOLL VIOLATIONS. I REQUESTED THE REPRESENTATIVE TO EXPLAIN WHY I HAD ALL THE VIOLATIONS. SHE COULD NOT OR DID NOT WANT TO EXPLAIN TO ME ABOUT THE VIOLATIONS I WAS TOLD TO REACH CUSTOMER SERVICE VIA EMAIL AT: XXXX
I DID ON XX/XX/XXXX THE VIOLATIONS DATE BACK TOXX/XX/XXXX. I HAVE BANK STATEMENTS SHOWING REFILLS ON THE XX/XX/XXXX WITH REPRESENTATIVES AND THROUGH 3RD PARTIES LIKE XX/XX/XXXXOR XX/XX/XXXX. NO ONE RETURNED MY EMAIL SENT. I RESENT AN EMAIL TODAYXX/XX/XXXXXX/XX/XXXX I WILL CONTACT VIA PHONE TOMORROW XX/XX/XXXX I HAVE RECEIVED A NOTICE FROM THE COLLECTION SERVICE XXXX  USES THIS AFTERNOON WITH 10 COLLECTIONS FOR THE CHARGES BEING MADE. NOT EVEN ONE XXXX COLLECTION BUT THE BALANCE DIVIDED IN TO 10. I NEED SOMEONE TO REACH OUT TO ME BECAUSE THIS SITUATION HAS ESCALATED TO A FRAUDULENT COLLECTION CLAIM BEING ISSUED OUT AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NJ

Complaint narrative:
I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

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 2020-07-20 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: NJ

Complaint narrative:
I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

Company response to consumer: Closed with explanation