vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.

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 2021-10-31 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: NJ

Complaint narrative:
Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.

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 2021-10-31 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 the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow suite as well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SENDING WRITTEN ONLINE EMAIL ABOUT IM HAVING DELAY PROBLEM ISSUES WITH & FINANCIAL BUSINESS COMPANY GOES BY THE NAME OF INGO MONEY INC SO I CAN EXPLAIN MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUES IM HAVING REGUARDING INGO MONEY INC OFFER CHECK MOBILE CHECK DEPOSIT SERVICES SO IN ORDER FOR U TO CASH & VALID CHECK ENCLOSE THRU THEM U HAVE TO HAVE VALID ID FORM SURCH AS STATE ID CARD PHOTO ARE DRIVING LICENSE ID CARD THEN U MAY HAVE TO UPLOAD PHOTO COPY BACK IN FRONT OF ID CARD PHOTO IN ORDER TO CASH SMALL BY USING INGO MONEY INC PROCESS FEES IS TOTAL AMOUNT XXXX DOLLARS EVERYTIME IF U NEED FUNDS THAT SAME DAY POSTED CREDIT INTO YOUR CHECKING ACCOUNT DEBIT CARD NUMBER SO INGO MONEY INC SO BLOCK PERSONAL ACCESS FROM ALL OF MY ENTIRE FAMILY MEMBERS GOES BY THE NAME OF XXXX FAMILY RESIDENT CAN NOT ACCESS THE INGO MONEY APP TO CASH A CHECK BECAUSE INGO MONEY ARE SAYING THEY FOUND FRAUD TRANSACTION GOING ON BY ACCESSING MORE THAN ONE PER CHECKS TRANSACTION PHOTO COPY AMOUNT WHO EVER WORK FROM INGO MONEY INC SECURITY TEAM LOOK LIKE TOO ME THEY ARE NOT FOLLOWING RULES & RUGULATION OF PRODUCT FINANCIAL SERVICES CONTRACT AGREEMENT BETWEEN THE BUSINESS AND THE CONSUMER CUSTOMER FINANCIAL POLICY ACCOUNT SO I CAN PROVIDE ALL THE PHONE NUMBER TO INGO MONEY INC CALL CENTER CUSTOMER DEPARTMENT XXXX XXXX INGO MONEY INC BUSINESS EMAIL ADDRESS XXXX XXXX so ingo money business inc has previous close my ingo money mobile check deposit account out WITHOUT TELLING THE CONSUMER CUSTOMER I HAVE RECENT SPOKE TO TWO TO THREE DIFFERENT SUPERVISOR AT INGO MONEY INC CUSTOMER SERVCIES CALL CENTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: RockLoans Holdings LLC
State: SC

Complaint narrative:
Someone use my personal information and got a personal loan for the amount of {$25000.00} in XX/XX/2018. It appears as charge off on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2021 around XXXX am I went to an ATM belonging to First Bank of Puerto Rico. I tried to withdraw {$200.00}. The ATM didn't dispense the money. I called immediately to the XXXX of the ATM and he told me that I have to call the bank. I called First Bank of Puerto Rico and the person who received the call told me that I have to wait XXXX hours before I present a complain. After XXXX hours I called the bank and XXXX XXXX XXXX help me with the complaint. The number is XXXX. She told me that I have to wait XXXX labors day ( until XX/XX/XXXX ) in order receive a notification if the complaint proceed. After XXXX labors days I called and they told me that I have to wait until XX/XX/XXXX because the complaint was closed on XX/XX/XXXX and reopen in XX/XX/XXXX without any reason why it was closed and reopened. And I have to wait until XX/XX/XXXX ( for a new XXXX labors day ) for a response. XXXX XXXX XXXX gave me the new number for the complaint ( XXXX ). In XX/XX/XXXX, I called the bank and they told me that the complaint was denied. XXXX XXXX XXXX assisted me in the information. I went to the bank in person and they told that I have to present a written document explaining the situation and present a reconsideration of the denial. It was process on XX/XX/XXXX. Until Friday XXXX XXXX the bank have not respond to my complaints and I have received my {$200.00} that ATM didn't dispense. The bank didn't present me with a photo or a video that proof that the money was dispensed. I need you help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Contacted company about an auto loan showing in my name that is fraudulent. I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal bill to compare against on my drivers license address. Credit Acceptance is based out of Michigan according to the website and this loan was opened in XXXX  XXXX they informed me when I live in Wisconsin. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.

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 monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried to resolve with merchant in regards to a reduction in XXXX from my balance from one day to the next with absolutely no transaction occurring or document. The end of the XX/XX/2021 shows a balance of XXXX In XX/XX/XXXX, the first transaction is a deposit via transfer from my sisters venmo  account if XXXX, and does a balance after a XXXX, filters by another XXXX deposit, with XXXX result balance. From XX/XX/XXXX and the final transacting of XXXX leaving XXXX balance to the infatuated next transaction XXXX the balance result at XXXX, there is a disappearance of XXXX in the balance. After contacting venmo, the response was it was from transactions that occurred earlier. They were unable to provide the line items of any such transactions that if occurred XXXX, would have been documented but show no balance change as a result. There was absolutely no reported transactions that would account for the missing XXXX and the balance reported after each transacting for the 60 days prior had neve dropped below XXXX, so the money was present up to that day and didn't account for any transaction of XXXX they claimed occurred. Venmo has been unable to provide any proof or reason for the error nor record to correlate. And the refuse to correct. It's as if they took it and though ti wouldn't notice. They will not cooperate and I reported now to the consumer protection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: VT

Complaint narrative:
My mortgage loan was sold by Arc Home to XXXX XXXX effective XX/XX/2021. On that same date, my XX/XX/2021 mortgage payment was cashed by Arc Home, as evidenced by the deposit stamp on the back of my check and the funds being drawn from my XXXX XXXX  account on XX/XX/2021. This deposit stamp is the same stamp that is reflected on all my previous months ' payment checks to Arc Home. I have scanned images of months of deposited checks into this same Arc Home account, which I have provided to both servicers. I will attach several months ' of examples, including the " missing payment ''. 

I have made repeated attempts to resolve this matter with Arc Home and XXXX XXXX. XXXX XXXX 's research department responded with a letter that instructed me to contact my own bank since neither mortgage company can locate my payment. Arc Home has never responded other than auto-replies, despite having taken the funds from my bank account and not credited it to the mortgage balance that was transferred on the same date to XXXX XXXX. I have thoroughly reviewed XXXX XXXX 's records and can confirm that the transferred loan balance does not account for the payment received by Arc Home on XX/XX/2021. 

I was required by XXXX XXXX to repay the XX/XX/2021 mortgage payment of {$1100.00} in order to stay in good standing. Having had to pay a second payment was an extreme strain on my family and our finances, as I had just returned to the XXXX XXXX XXXX as a XXXX, and we are facing the new cost of my son attending his first year of college. I simply want these institutions to find my funds and apply them to my loan. 

I greatly appreciate any assistance as both servicers have refused to acknowledge my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: DE

Complaint narrative:
This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 2.XXXX  XXXX- XX/XX/2021 3.XXXX XX/XX/XXXX. 2021 4. XXXX-XXXX  XXXX, 2021 5. XXXX XXXX. 2021 XXXX. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX- XX/XX/2021 8.XXXX XXXX XX/XX/2021 2021

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 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company put this on my credit without consulting me or trying to see if it was my debt. I called them and asked and they said it was from a XXXX account I had. But it was not my debt and I asked for them to show me. I even called XXXX and they said the account never showed under my name to so they were unsure what was going on. So they removed it from credit and then put it right back on there!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a complaint against the rip off companies XXXX, Transunion and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!

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 2021-10-31 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: CA

Complaint narrative:
This is a complaint against the rip off companies Equifax, XXXX and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: DE

Complaint narrative:
This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021 XXXX XX/XX/XXXX. 2021 XXXX. XXXX XXXX, 2021 XXXX. XXXX XXXX. 2021 6. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX  XX/XX/2021 8.XXXX  XXXX XX/XX/2021 2021

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 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have been getting almost daily phone calls for months from some company called Portfolio Recovery Associates, LLC. They keep calling my number from many different phone numbers to prevent me from blocking them. I am on the National Do Not Call List and have reported them every time they've called my line. I am NOT in debt! I have received several calls from debt collectors for someone named XXXX XXXX XXXX, who I assume used to have my landline number. I've had this number for almost 3 years though, so if that's who this PRA outfit is trying to collect from, their info is years out-of-date. I emailed them directly and also contacted the XXXX  about this company and their harassing phone calls, which they forwarded to PRA, but the calls continue. I got one today. They call morning, afternoon, night, weekends, holidays, whenever, starting at XXXX XXXX. I just mailed them a cease-and-desist letter. I don't know who they think they are calling by calling my phone number, but I've told them plainly they are calling the wrong number!! The FTC should have all the reports I've filed with them about this unethical company and their repetitious, annoying calls to my home. They don't care that I'm on the Do Not Call Registry, that's obvious, but maybe the Attorney General of SC will make them care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged into my online banking account with Wells Fargo. I noticed four transactions made through XXXX in the amounts of {$490.00}, {$490.00}, {$930.00}, and {$990.00}. I immediately knew that this was a fraudulent act because I never authorized such transactions. I called my bank and filed a report with the fraud department. They opened a claim and changed all my banking information. However, I just received a letter that my claim has been denied and I am distraught. I keep all my banking information safe and secure. This was not my fault and I can not lose XXXX dollars over something I had no control over.

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