vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my 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 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCIAL   XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I typically make my monthly payment via my online account using my routing number and my member number. 

I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online. 

The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails.

When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX  digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used. 

Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: WA

Complaint narrative:
In XX/XX/XXXX I was told by my mortgage company, Sierra Pacific Mortgage, that we had to pay our full year property tax payment because we had been approved for a partial release of land that was under the mortgage. My escrow would not pay the taxes until they received a new tax bill showing the released land. I was told to send the receipt in prior to XXXX ( two months from my yearly scheduled escrow analysis in XXXX ) I emailed the receipt the end of XX/XX/XXXX. I called a few weeks later and found out the receipt had been coded as a bill, but the problem would be fixed and my request to re-analyze my escrow would still occur. I called again around XX/XX/XXXX and was told that they would expedite my request since it was almost XXXX. I called again the first part of XXXX and was told that expedited request was cancelled shortly after it was opened and now I could not get a refund from the escrow until XXXX. After further speaking with the customer service representative, she said she was able to open another request and I would get my check by XX/XX/XXXX. I called around XX/XX/XXXX and was told that work order was denied, but I could send the receipt in again to the research dept. to request the overage of my account me paid. I called on XX/XX/XXXX and was told that request had been entered as a tax bill and it was too late to have my refund issued. I was told I needed to wait until XXXX. Federal law states that a company needs to pay the overage of an escrow within 30 days being notified. I tried everything I could to get paid that overage in a timely manner. Sierra Pacific Mortgage intentionally delayed my request in order to hold the funds. I believe there is grounds to show this is a common practice. It's not reasonable to have so many people in one company cause this sort of delay and to blatantly hinder a simple request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my 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 explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
To XXXX Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 
15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] (  a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX  XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX** XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX XXXX******XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
To XXXX  Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX   XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX & XXXX XXXX XXXX, XXXX XXXX** XXXX XXXX/XXXX XXXX******XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX  XXXX******XXXX XXXX B  XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX   XXXX  MISC THIS INQUIRY IS NOT PERMISSIBLE

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 2019-04-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I unfroze my credit report so that a mortgage company, XXXX XXXX XXXX, could submit a credit report request. I unfroze it for 2 days as the mortgage company said they would only need one day to submit the request. 

The next day, the mortgage company reported to me that the Experian was still reporting that my credit was frozen. I called the Experian to verify that my credit report was unfrozen. They asked me a number of questions to verify who I was and then told me that I would have to submit a request in writing since I had failed to answer the questions correctly. They refused to tell me which questions I had answered incorrectly or give me any guidance on how I was supposed to answer the questions. I later found out from contacts with XXXX that I had to give exact amounts in dollars and cents when I was asked for amounts of a bank loan, credit card balance, etc ... Again, this was not explained to me by the Experian representative. 

Since I could not get a letter to Experian before the temporary credit unlock closed, I waited until after my credit report was locked and submitted a new request to unlock my credit report from XX/XX/19 to XX/XX/19 as the mortgage company told me that they would have to submit a second credit report right before closing and I didn't want to go through any last minute issues with the Experian just before closing. Again, I received notification from Experian that my credit report had been unfrozen and, again, the mortgage company reported that the credit report was still locked. I tried calling Experian again but this time, after I put in my SSN, I received a pre-recorded notice that I had to submit my request in writing including my SSN, personal PIN, addresses for the last two years, DOB, a photo copy of my drivers license, and utility bills or bank statements addressed to my current address, and my two last bank or utility statements. I was also informed that Experian would not respond back to my mail request " for security reasons ''. 

Since I am trying to find out why they are not unfreezing my credit report as they reported they had, their lack of response to my letter is completely unacceptable. How am I supposed to know if they have fixed the issue or not? When am I supposed to tell the mortgage company to try 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 non-monetary relief
Consumer complaint received 2019-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX XXXX of XXXX, to repurchase a vehicle, i called Equifax, awhile, i was in the dealership, to get my rCredit File Unfrozen, I was ask security questions, and i was told, and pass them, because i did not have my Security Freeze Pin on me, at the time. XXXX XXXX, tried to pull my credit file again, from Equifax, and was unsuccessful. They were able to pull my XXXX XXXX and XXXX ; but not my Equifax. On XX/XX/2019, i came home and went online, to Equifax and did it online, and was told, that it was successful, i had to wait until Monday, to call XXXX XXXX, back and alert them, to repull Equifax, and was unsuccessful on XX/XX/XXXX & XX/XX/2019. I sent in a copy of my Driver License, SS Card & Utility, XX/XX/XXXXXXXX  bill, to confirm my Identity ; and gave them my dates to unfreeze, the credit file was still frozen. XXXX XXXX dealership, need to have a copy of my Equifax, along with all 3 to finish up, the process, and close the deal out. It is to the point, that my contract, is in jeopardy with XXXX XXXX dealership, if they can't pull my credit report, asap. Mr. XXXX XXXX and Mr. XXXX XXXX XXXX is my finance guy and sales person, is able to confirm, everything, that is said, in this e-mail, about the getting of my credit file unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received my annual escrow analysis which shows a shortage of {$110.00}. My XX/XX/XXXX beginning balance was projected to be {$1700.00}, but it was actually {$2000.00} ( a {$260.00} surplus ). My 12 month ( XX/XX/XXXX - XX/XX/XXXX ) escrow payment is {$250.00} which totals {$3000.00}. Added together my 12 month projected should be XXXX and my 12 month actual would be XXXX. My projected city , county taxes and homeowners insurance comes to {$3000.00} and my actual was {$3100.00} due to a {$79.00} per year increase in insurance premium. If I subtract the actual taxes and insurance of {$3100.00} from my 12 month actual of {$5000.00} I should end up with a balance at the beginning of XX/XX/XXXX of {$1900.00} where they are showing a final actual balance of {$1700.00}. This equates to a difference of {$250.00} which is exactly 1 escrow payment and is greater than my supposed shortage of {$110.00}. My statement shows a {$0.00} increase in the month of XX/XX/XXXX. US Bank is stating that this was due the analysis being performed in XXXX and not counting that month 's payment in the actual, yet my payment was posted early in the month and they are showing payments and balance increases for XX/XX/XXXX and XX/XX/XXXX. I have spoken with 2 representatives and requested a review with no change in their stance. They have also refused to perform a 2nd escrow analysis, as they say then can't unless I am refinancing my mortgage.

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 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
XXXX XXXX hired Aldrige Pite Haan LLP to collect my deb, Aldrige hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then Ms. XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
My complaint is on Dyck-O-'Neal Inc. This company is a private debt collector who is suing me on a Time-Barred debt ( promissory note ) for XXXX ( original debt was XXXX ). XXXX XXXX XXXX XXXX aka XXXX XXXX owned property : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ON XX/XX/XXXX by Civil Suit case number XXXX 150th court room. I should not be held legally or responsible for a Time-barred debt on a promissory note from XXXX which XXXX XXXX was the original Holder payments was made to XXXX mortgage company ( XXXX recession ). I never had a legal bonding contract with Dyck-O-'Neal or agree to pay on a Time-Barred debt due to Staute of Limitations and XXXX XXXX took ownership 9 years ago of that property. The Justice System and Dyck-O-'Neal should dismiss Summary Judgment and Writ of Execution due to DATA THEFT. Dyck-O-'Neal was not the original holder of promissory note and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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:
Fraudulent account and inquiry with XXXX XXXX amount XXXX  opened on 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 2019-04-23 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:
Fraudulent account open with the XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX   XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief