vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
Received collections letter in the mail that XXXX XXXX had sent my account to collection and that my balance was {$360.00}. I contacted XXXX and they said my account was never sent to collections. 

Letter sent by American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to American Coradius International LLC XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with www.acibillpay.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NY

Complaint narrative:
XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NY

Complaint narrative:
XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AR

Complaint narrative:
My Ex-husband and I had things in both our names and I did not file this and had the judge remove my name from bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I paid XXXX XXXX XXXX {$1000.00} using Capital One credit card ending in XXXX for the trip to XXXX ( for myself and my friend ) for the following dates XX/XX/XXXX - XX/XX/XXXX. The travel agency ( XXXX ) canceled all the trips to XXXX because the country got closed due to the COVID19 pandemic. I contacted the owner of the travel agency, XXXX XXXX, who never responded to my numerous emails and phone calls. I planned to get the money back for the following reason - I paid for the service that had never been provided. Six months later she responded ( all correspondence was in XXXX since we both speak the same language ) that the company would provide a one-year credit, which we do not need since we will not be able to visit XXXX due to medial issues ; moreover, the country is still closed for US travellers. 
Then, I decided to dispute this transaction with the bank ( Capital One ). Unfortunately, they declined my request with the following explanation, " ... we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I got two similar responses from Capital One : XX/XX/XXXX and XX/XX/XXXX ( the case number is XXXX ). 
I did not give up and tried to contact he owner of the travel agency, XXXX XXXX, who was ignoring my phone calls to XXXX and emails. 
The XXXX agent recommended I contact you to further assist me with this dispute - I will reiterate : I paid for the service that has not been provided and due to the pandemic issues world-wide in general and in XXXX in particular, I do not plan to visit XXXX. 
Please assist me to get the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
We opened a HELOC with TCF Bank in XX/XX/XXXX, secured by our primary residence. We sold said primary residence in XX/XX/XXXX, at which point the HELOC balance was paid off in full as part of the closing process. However, we are still being charged annual fees and the account has not been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 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: PA

Complaint narrative:
I contacted this company 3 times disputing unverified and inaccurate information. They are not telling me how they are investigating or who does them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I have an collections from Online Collection Services appear on my report XX/XX/2021 stating that I had an utility bill of {$1700.00} out of no where. I have never had an utility bills other than a cell phone bill no cable gas or electric bills. This is a fraudulent account that does not belong to me being reported on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I provided proof to them through the dispute that I was scammed and they acknowledged it but still saying I owe it doesnt make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This vehicle was paid by insurance claim was unaware of any other charges this account has also been on my credit report for 8 years and 11 months as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and Goldman Sachs Bank. And XX/XX/XXXXhas the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that Goldman Sachs and XX/XX/XXXX are both telling me they are above law in which Congress enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: DC

Complaint narrative:
I deposit a check at bbva & its still not available Im so frustrated because I need it for my bills I deposit it XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
This vehicle was paid by insurance claim was unaware of any other charges this account has also been on my credit report for 8 years and 11 months as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: GA

Complaint narrative:
I sent Equifax a letter disputing the accounts in error on credit report XXXX XXXX and Chapter XXXX Bankruptcy in XX/XX/2021. Equifax did not respond to dispute with investigation results. I sent another dispute letter about Chapter XXXX Bankruptcy and Equifax did not respond dispute with investigation results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to respond to a dispute and if they do not the items they are reporting must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
In 2020, my mortgage was transferred from XXXX XXXX XXXX  to BSI Financial Services. During that transfer, both companies failed to pay the second half of my property taxes for 2020. My property tax bill has now incurred over {$700.00} in late fees and I am concerned that my county will issue a tax lien against my property.

I have called BSI Financial Services three times since XX/XX/2020 to rectify this situation. Repeatedly, they told me to email their customer service with the tax bill details and I complied. To date, I have sent a total of four emails to BSI Financial Services and I have never received a confirmation of receipt of my emails or any contact related to them despite the serious tax delinquency. One month ago, they assured me they had all the info they needed and that they would call me once the tax bill was taken care of. My bill remains unpaid and they still continue to avoid contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record 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 the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NJ

Complaint narrative:
XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on my credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section 611 ( a ), it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Hi my name is, XXXX XXXX XXXX I have a dispute based on the factors that I have in place regarding my credit score as well as, Accounts that are currently effecting my Credit score / eligibility, To obtain financial opportunities regarding Car loans, cards, and or the utilization of such things, As well as my Credibility / Worthiness XXXX Page 1 I was in the midst of a fraudulent pursuit Where my name as well as my credibility was on the line for the sake of someone elses agenda, An individual ended up swindling Under False Pretense, It appeared that in all this processing with the car and the loan I assumed this was the process of how it was supposed to be until I was informed by my mother XXXX XXXX and grandmother XXXX XXXX who had some knowledge of what had taken place. As time went the car payments were being made and also the car insurance payments as well, until I begin to receive letters from the XXXX XXXX XXXX XXXX, Also a letter of non-payment for the car insurance / foremost insurance company. Also with attachments to the vehicle meaning parking tickets/toll tickets. I began to reach out to the third-party to inquire about these issues due to these actions and not being responsible in which it reflected back to me as the official owner. 
XXXX Page 2 So at this point we contacted the XXXX XXXX XXXX XXXX and spoke with a representative by the name of Miss. XXXX XXXX who directed us to the appointed people to resolve this issue. Im XXXX XXXX and my mother XXXX XXXX contacted the third-party and re-Poed my vehicle which was a XXXX XXXX XXXX XXXX. We informed the credit union that the car was in my care. Unfortunately in the vehicle on XX/XX/XXXX it was struck by another vehicle in a tragic accident I was hospitalized in extensive care as well as a therapy also a loss of employment. I have genuinely learned my lesson on trusting in knowing in my trusting I could have lost my life as well as my credibility in hopes of regaining my strength and the ability to move forward and look at this as a learning experience and a steppingstone to building a future let alone a new chapter in my life because one day I might have to cross my own bridge and face my own challenges in my life I am asking in all of this A second chance thank you for your time and consideration XXXX XXXX XX/XX/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 2021-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Prior to XX/XX/XXXX, I have sent letters requesting that Transunion send me their method of verification as to how the public record ( Chapter XXXX Bankruptcy ) was verified and to provide me proof of the signed petition. Transunion has failed to provide me with this information and continues to send me letters with the response that the public record is verified and accurate and it was verified by USBK COURT XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. 
I contacted the court at the contact number listed above and they stated per the Fair Credit Reporting Act, they do not report or furnish information about bankruptcies to Credit Bureaus and third parties. 

For XXXX XXXX, I have disputed errors on this account in XXXX, XXXX, and XXXX XXXX. The following discrepancies continue to report ( Date of last activity shows XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX  but XX/XX/XXXX on 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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company is unknown account showing closed on my credit report I have no knowledge of even opening an account with this company I am not reliable for this debt have no agreement nor contract with this company please remove from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XX/XX/2020I opened an auto loan with Credit Acceptance Corp in the amount of {$7100.00}. I made all payment the day before they were due. The auto company I purchased the vehicle from ended up going out of business in XXXX and never paid the lien that the XXXX XXXX XXXX had against the title therefore Credit acceptance was never able to obtain the title. I still made my payments until XX/XX/2020 when Credit Acceptance shut down my account and told me to continue dealing with the Ohio AG office ( which I did ). The vehicle is now back in possession of the original lienholder XXXX however even though Credit Acceptance closed my loan and returned my money that I paid, they reported to the credit bureaus as me being 120+ days late on a payment. Ive talked with them and they dismiss my concerns or tell me they will look into it and call me back. It needs to be removed from my report! They closed my loan, gave me my money back and the vehicle was never in their name or possession and has since been returned to XXXX! help!

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