vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XXXX, 2022. 

I tried to get my credit report from Experian and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from XXXX They wanted me to send them documents.

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 2021-03-17 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: Chime Financial Inc
State: TX

Complaint narrative:
I reported charges on my card in XXXX. They sent out multiple cards that I never received and was activated and used by someone else. I still kept the card and paid the monthly statement on time during the investigation. Its just them more than 45 days and they did not review my case and denied me. I sent them proof of my police report and other documents and they still have not finished with my case again. Now they have recorded it on my credit report making it look like I have that here in this bad credit. Contact the grass many of times to fix my account and verify proof of that of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MD

Complaint narrative:
TransUnion I have call a couple of times to dispute these Fraudulent Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/XXXX I send out to TransUnion I would like to get the Inquiries Remove off my credit Report Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX Inquiry from 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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: AL

Complaint narrative:
TELERECOVERY Original creditor : XXXX  WALK-IN CARE {$360.00} Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Account type Collection Department / Agency / Attorney Already contacted them and asked to to validate the account twice and still nothing

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have made several disputes with the each credit bureaus and with the XXXX as well as contacting XXXX XXXX in regards to this matter. I am coming to CFPB to get an resolution. 

My complaint is XXXX XXXX XXXX XXXX is reporting fraudulent charges to professional debt credit company claiming I owe {$820.00} because I have threatened to take them to court for heavy mold in my apartment. Instead of taking them to court, I went ahead relocate my family. I surrender the unit back in XXXX or XX/XX/XXXX. In retaliation the apartment Manager at the time XXXX made false allegations against me. She have tried multiple time to find ways to get me evicted but no success. I recently discovered that XXXX were the individual who filed an false DCF complaint against me in XX/XX/XXXX. I dont know how the charges came about, but I do know before I surrender the unit she increased my rent to the maximum amount around XXXX something dollars. I paid my rent for that month and still moved out. I have listed the complaint numbers below. 
-Complaint ID # : XXXX Back in XX/XX/XXXX. 
-complaint # XXXX new claim filed XX/XX/XXXX. 

Please help me resolve this matter because is Hindering me with applying to other apartment complexes. I dont owe them!! Thanks!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
XXXX, ND, XXXX XX/XX/XXXX Error in Credit history Ally Financial XXXX XXXX XXXX XXXX XXXX, MI, XXXX To whom it may concern, On XX/XX/XXXX, I financed a car XXXX XXXX, VIN : XXXX. I made this purchase in Maryland, from XXXX XXXX XXXX XXXX dealer ship through Ally Financial. 
Due to an accident on XX/XX/XXXX my car got totaled, my primary insurance company ( XXXX ) didn't pay for the loss because I was driving for XXXX ( XXXX driving ). XXXX XXXX XXXX XXXX introduced by XXXX handled my claim with Ally Financial. XXXX XXXX issued a check ( n/a ) to Ally Financial for the amount owed as it was stated by one of the officials in customer service department Ally Financial. The money has been paid in full to Ally Financial but for some reason it still shows under my credit report. I contacted XXXX XXXX and shared the matter, they contacted Ally Financial regarding the mentioned matter. Ally Financial approved the information provided by the XXXX XXXX ( Money paid in full ). XXXX XXXX offered to send a different check upon return of the previous check. Ally Financial didn't accept and stated through the phone conversation that the matter will be solved within 2 weeks. 

I have been contacting Ally Financial since XXXX regarding this matter and they have been transferring me from one department to another and stating that they can't access my account ( files ). I am a family of 5 people, no matter what I have done. I haven't been able to improve my credit. This auto loan has been holding me and have ruined my credit history. I need help with this issue to be solved. I don't know what else do I have to do, to fix this. I would really appreciate your assistance in mentioned matter. 
I look forward to your reply and a resolution to my problem. 


Sincerely,

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XX/XX/2022. 

I tried to get my credit report from XXXX and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from Equifax. They wanted me to send them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX kept billing me for already paid bills even after i got a letter from them saying that my loan has been paid in full. They went ahead to give me bad report which has negatively affected my credit score.

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 2021-03-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

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 2021-03-17 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have filed a dispute in regards to incorrect items being on my credit report. It has been well over 30 days since the dispute and I have not received my investigation results.

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Since XX/XX/XXXX I have been receiving daily phone calls around XXXX CST every day from Midland Credit Management. They call from a different number every time. I have tried answering the call but it is silent when I pick up the phone. This is straight harassment. I have never received any notice from midland about a debt nor am I aware of any. For some reason these calls get through my XXXX spam protection. This has to stop. This is harassment and has to be illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase bank finance a XXXX  truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters with no response

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 2021-03-17 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: HI

Complaint narrative:
Someone stole my identity & took out a loan in XXXX not me ... took out credit cards in XXXX not me Got another credit card XXXX -not me They are using incorrect names. Im XXXX not XXXX or XXXX This is allllll from XXXX & XXXX WHEN THEY MERGED!!! I reported this all to experian in XXXX & they wont help me I went to a debt consolidation company ( referred to me by XXXX & Experian ) & in XXXX I was advised they didnt pay off any of my debt the company was bankrupt & everything I paid them was stolen. 

I cant get my credit back. Now, my social security card & drivers license is out online & the hacker cant be found. My business has been ruined w/ slander & liable- my professional identity has been violated, stolen & I lost my business after 20 years working on it!!! 

No one will help me!!!! My credit report has false collections since XXXX. 

Ive reported this since XXXX every year & no one helps me!!!! XXXX is the first time I logged into XXXX when it was being developed. I want to press charges against XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( a grant program I found on XXXX XXXX. 

I want monetary relief so I can work!

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 2021-03-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX, upon further research, this not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ Collection Agency Name ] has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: MD

Complaint narrative:
There are incorrect items on my credit report i disputed these items and Equifax refuses to correct the inaccurate incorrect items they have since added paid to the accounts instead of deleting them off my report the accounts are inaccurate and should be deleted off my report credit and unauthorized credit inquires also being refused deletions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I XXXX XXXX XXXX am filing a complaint on ChexSystems for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. 
They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXX XXXX XXXX is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to ChexSystems XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.

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 2021-03-17 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase bank finance a XXXX truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: AZ

Complaint narrative:
Upon reviewing my credit report I saw that XXXX placed me in collections for something I do not owe them. I tried to resolve it directly with XXXX as XXXX is listed as the collector, but was referred to a 3rd party collection agency Valor. I immediately requested a validation/verification of debt which the representative told me does not exist. He kept trying to verbally tell me I owed XYZ amount. I sent a formal request for debt validation via mail and still have not heard a thing. Meanwhile Valor calls me so many times a day Ive had to block the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MD

Complaint narrative:
Inaccurate information being reported on my credit report which Transunion refuses to investigate and delete due to it being inaccurate also has the incorrect spelling of my name which is XXXX they have it being spelt as 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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This Morning PayPal Placed My Current Balance On Hold For 180 Days After Receiving 2 Payments From One Of My Customers,, Id Like to get this issue resolved XXXX XXXX

Company response to consumer: Closed with explanation