vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: NM

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX received a payoff letter from Novad stating the total partial claim amount was {$15000.00}. Novad had two liens, XXXX in the amount of {$6100.00} and XXXX in the amount of {$9700.00}. XXXX is requiring that the payoff letter states that both liens from XXXX and XXXX be released with a total payoff of {$15000.00}. XXXX says that they have had experiences with Novad in similar situations where Novad had come back to collect on undocumented liens. I have tried changing title companies and this issue is a roadblock and non-negotiable. No one wants to be liable. 
Between XXXX and myself we have contacted Novad by email or phone call 11 times. My calls have been escalated from the call center multiple times. I have been connected with the help desk who have sent emails to upper management and Novad. I have asked to speak to upper management and was told they are not available me. I was told that the only thing I can do is call back every 5 business and they would send an email to Novad on my behalf. 
On XX/XX/XXXX Novad sent me a duplicate payoff letter without any requested clarification or communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: IN

Complaint narrative:
The information is inaccurate, I have no knowledge of this And they wont remove it from my Equfax account my other accounts dont have this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: NJ

Complaint narrative:
Direct Recovery Services LLC took {$210.00} from me for XXXX XXXX. XXXX XXXX confirmed that Direct Recovery Services LLC isn't the debt buyer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I called to speak with an Equifax rep at XXXX XXXX  and the rep told me that my collections were removed from my report. I called back in astonishment to verify these results and the new rep told me that the first colleague reported inaccurate information. It was disheartening that the representative would give a consumer inaccurate information and get their hopes up. I asked to speak to a supervisor once on the call with the representative that I spoke to at XXXX XXXX. The representative never got a supervisor on the phone and hung up in the middle of the call. I tried to call back multiple times with no avail. As a consumer, I am upset that the bureau would provide false information after multiple attempts of getting these collections removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

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 2021-07-08 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 have attched letter and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have disputed this collect agency several times. It has 3 different collections on my report from the same agency. I dont even know what this collection is. I disputed one maybe less than a year ago. It went away. And now recently, they added the same collection again! All 3 times. This is not my account. They are harassing and calling my number. This is a disturbance. I do not know where these 3 collections came from. Who are these people. It says its from XXXX XXXX XXXX XXXX XXXX, something about Medical. I have not seen a doctor in 6 years. I do not have knowledge of these accounts. 

Collection Agency : 1. ARS Account Resolution. {$1600.00} XX/XX/XXXX 2. ARS Account Resolution. {$1500.00} XX/XX/XXXX ( recent one they added on ) 3. ARS Account Resolution. {$950.00} XX/XX/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 2021-07-08 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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander USA is a predatory lender and has been indicted in a class action lawsuit for such practices. 
I purchased the car in XXXX of 2014 and struggled to keep up with payments a year into it as the car had numerous issues the moment I drove off of the XXXX  lot. Struggling to pay the high interest loan, I had the car repossessed and was able to get it out only to fall into desperation again as I was underwater. 
I truly believe I should be or possibly have been considered in this lawsuit. 

XXXX XXXX XXXX From what I have found, Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers ' credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CORELOGIC INC
State: AL

Complaint narrative:
Credco made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my Credco and XXXX XXXX, who both did the same exact thing for the mortgage broker/lender. XXXX XXXX made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a Credco and XXXX XXXX that the mortgage brokers used to obtain my credit file.

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 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX took {$210.00} from me for Capital One. Capital One confirmed that XXXX XXXX XXXX XXXX isn't the debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
I have attached a letter and FTC report.

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 2021-07-08 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: IL

Complaint narrative:
I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an on going complaint about an employee named, XXXX. I thought going to the XXXX would resolve issues. After all XXXX was controlling his clenched fist from punching me. The General Manager at the time was an old hang named XXXX. I text led her what XXXX was all about and her reply.., I trained with XXXX. Hes excellent and polished. There will not be any negative actions brought to his attention. Bye now, you will leave now. XXXX even went two steps further and called the XXXX police and had a restraining order put on me. Had Bank of America security team ban me from all BofA locations in the USA. And just to be a royal pain in my XXXX. She said I was threatening her along with harassment??? IM NOT THE XXXX  XXXX  THAT SWEARS SHE IS STILL XXXX. Please woman your pushing your XXXX! Easily! I had to get a new bank cause my checking account was immediately closed and guarded heavily as to give a reason why? Oh my goodness XXXX I called you a bad name. Even the cop chuckled!

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 2021-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
At the end of XXXX, I reached out to Navients collection department to pay off the balance of a settlement I had been paying off monthly since XX/XX/XXXX. I was informed the remaining balance was {$3400.00}, to which I responded I would like to pay it in full. The payment was authorized electronically during this call and I asked how long would it take before I would receive a letter staying the account had been settled. I was informed it would take about 30 days for the letter to be sent to me. The payment of {$3400.00} was withdrawn from my account on XX/XX/XXXX. Sometime in XXXX I called to follow up on the settlement letter I was informed I would receive during the call in XXXX. At this time, I was told it should take 60 days to receive the settlement letter. At the end of XXXX, I still had not received my letter, which at this time was beyond the 30 then 60 days I was told it would take to receive the settlement letter. It was during this call I was informed that according to their records I had not paid this balance in full and still owed a balance. I asked how this happened seeing as I was informed by a Navient employee of what the balance was. They were unable to provide me an answer to why I was not provided the appropriate balance when I called in XXXX to pay off the loan. I then asked to speak to a manager who informed me that Navient had been changing over their systems and my account seemed to have been one of the accounts that was lost in the transition. He reported he could see there was a payment but it is in limbo because of the system being upgraded and should update within a week. He reported he would put in a ticket to have this issue escalated. I called about a week later and a couple other times in XXXX to follow up and was still being informed the issue was not resolved. At the end of XXXX around the middle of XXXX after having called Navient a few days prior and being informed the issue was still not resolved. I received a letter stating they received the final settlement payment of {$3400.00} on XX/XX/XXXX. This is inaccurate as they should have received the payment on XX/XX/XXXX according to my bank statement. I called to have them update this in their system to align with when the payment was actually made and received the same letter about a week later stating the final payment was received on XX/XX/XXXX. I would like this to be updated to accurately show when the account was actually settled, which is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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