vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
On approximately XX/XX/2021, I contacted a debt collector that I had a number for, XXXX XXXX XXXX XXXX, who told me they no longer held my debt of {$3200.00}, it had been recalled by the owner. They informed me that it was now held by JHPDE Finance I , LLC, and they provided a phone number for contact, so I called that number. I reached a representative of JHPDE Finance I , LLC, who informed me that the debt was not theirs to collect, and that it was assigned to XXXX XXXX XXXX XXXX, and that I would have to contact them. 

Upon recontacting XXXX XXXX XXXX XXXX, the next day, XX/XX/2021, I was told that the owner was Paradigm Asset Management, not JHPDE Finance I , LLC, and was provided a phone number which matched that on the website -- http : //www.paradigmassets.com -- so I called Paradigm, this was the first time. The voice on the announcement was the same, and the same announcement as for JHPDE Finance I , LLC. Paradigm did finally answer after the third attempt that day, and after explaining my situation, and explaining that I need the information on the debt and where to send payment through refinancing my home I was told that direct payment would have to wait until next week when they have the debt assigned to a collection agency, and that they aren't set up to collect payments, despite their phone answering announcement stating, " We are a debt collector ... '' They stated that it was already in the process of being reassigned, after verifying my information, and told me that it would be in the hands of an agency approximately XXXX week from today, so that would be XX/XX/2021, at a collection agency. I have yet to be contacted by this new -- as yet unknown -- debt collection agency. 

This stalling from Paradigm on getting a verification of the debt amount and where to have it sent when my refinance closes is causing an unreasonable delay in closing, after XXXX attempts to speak with Paradigm/JHPDE Finance I, LLC -- who owns the debt -- on the phone and finally being advised via their own phone answering pickup recording that 1 ) they are a debt collector, then 2 ) being told they won't provide information on how to help them collect that debt by providing information necessary to allow me to have the payment sent directly to them from escrow. Either they want the money or they don't!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Citibank with holding my money for no reason. And they dont want to release my funds or close this account. They send me from department to another and they dont want to close this 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 explanation
Consumer complaint received 2021-12-04 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: LEXISNEXIS
State: WA

Complaint narrative:
I have submitted multiple requests ( written and online ) in the last 90+ days to LexisNexis/XXXX XXXX to freeze my consumer report and have received no response. My most recent attempt was XX/XX/21 via LexisNexis online portal. I have received no response or confirmation of my request. The headers of the attached documents show the date the most recent request was submitted and the date the site acknowledged my request. I have also attached the same documents provided in my previous written request to avoid LexisNexis using delay tactics like " we don't have the information required '' to avoid placing the freeze as requested. Finally, I have included the XXXX tracking numbers and certified mail receipt for the mailed request from 90+ days ago that LexisNexis completely ignored and did not return the return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian SOLD our information to a BUNCH of mortgage companies and we are now getting an average of XXXX calls a day from very early in the morning to late at night XXXX days a week! We are on a DO NOT CALL LIST and they ignore that. It is XXXX as we are NOT refinancing our mortgage, but SELLING our home. To day alone I got XXXX calls from the SAME company " XXXXXXXX XXXX XXXXXXXX '' and all quoted Experian as their source.

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 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: MO

Complaint narrative:
There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX. 

In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, The Consumer, ceased communication with XXXX XXXX XXXX  XXXX, account numbers XXXX on XX/XX/2021. XXXX XXXX XXXX  XXXX contacted me after I sent in my Validation of Debt pursuant to 15 U.S. Code 1692g along with my Cease & Desist to CEASE COMMUNICATION through ANY medium pursuant to 15 U.S. Code 1692c ( c ) on XX/XX/2021 upon receipt. I, XXXX XXXX, The Consumer did not give written instructions to XXXX, XXXX, AND EQUIFAX to report such debt pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) Reports furnished must be in accordance with the instructions of the consumer. XXXX is now reporting XXXX XXXX XXXX XXXX as charged off on dates XXXX XXXX  and XXXX XXXX. Also Reporting 30 days late on XXXXXXXX XXXX and XXXX days late on XXXX XXXX XXXX is now reporting XXXX XXXX XXXX XXXX  charged off as bad debts with 0 Days Late on dates XXXXXXXX XXXX Equifax is now reporting XXXX XXXX XXXX XXXX charged off on dates XXXXXXXX XXXX and XXXXXXXX XXXX Late on dates XXXXXXXX XXXX. Good standing on Dates XXXXXXXX XXXX I did not consent for this negative item to appear on my reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. 
XXXX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND EXPERIAN REMOVED THE ACCOUNT. 
THE ACCOUNT IS Account # XXXX XXXX XXXX XXXX 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 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
GC SERVICES has wrongfully hurt my credit score with a debt of 154.00 dollars. The debt on there is not mine and i need it fixed NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I had a loan with Dovenmuhle and they agreed on a forbearance and loan recalculation to begin in XXXX. In XXXX they transferred the loan to XXXX XXXX who refuses to honor the loan recalculation, and is saying I am in arrears since XX/XX/2021 even though I paid Dovenmuhle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I received an alert stating I C systems has placed an collections account on my credit report seeking XXXX for an XXXX XXXX XXXX account that was opened on XX/XX/2021. I've sent several letters requesting the account be verified with a contract bearing my signature, a copy of my drivers license and any other legal documents proving the account belonged to me and not a bill. at this time they've failed to respond.

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 2021-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
This consumer complaint is primarily based on KIA Finance applying inappropriately for monthly payments on account XXXX. On or about XX/XX/2021, Complainant processed payment of the said account of {$4000.00}. At which time of the last date of payment Complainant account was two months in advance in the monthly vehicle payments. When the Complainant  made the payment of XXXX, this advanced payment carried the Complainant account $ XXXX {$330.00} = ~12 months in advanced payments. This meant Complainant 's next vehicle monthly payment was not due until XXXX. The Complainant requests that KIA Finance immediately rescind all notifications to the three major credit bureaus, return all late charges levy on said account due to KIA finance inappropriately payments, and place the said account in its proper status, updated. On XX/XX/2021, Complainant spoke with a representative ( XXXX ) from KIA Collection ( XXXX ) or the arrearage Department, informing him that he could not assistance the Complainant on his account problems.

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 2021-12-04 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:
I sent a package XXXX months ago and I asked for copy of delivery receipt to see where package went My case number with Capital one is XXXX They sent me a letter XX/XX/XXXX to say : deal yourself with vendor case closed '' I asked XXXX to ask XXXX XXXX for delivery receipt and never received So insulting to customer with case closed, deal direct, I tried but no response with copy of delivery receipt again I ASK XXXX XXXX XXXX XXXX, send me copy receipt otherwise i want rebilled reverse credit reinstated {$85.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my XXXX XXXX and needs to delete immediately : Date of Birth : XX/XX/1990

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXXXXXX {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00}

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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXX {$5700.00}

Company response to consumer: Closed with explanation