vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked Experian, XXXX, and XXXX twice to remove these inquires because I have no idea where they came from

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 2020-08-14 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: TX

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXXXXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXXXXXX {$190.00} XXXX XXXXXXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX  {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXX {$850.00}

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 explanation
Consumer complaint received 2020-08-14 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX  XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX {$190.00} XXXX  XXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXXXXXX {$850.00}

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 explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Notice for Proof of Claim for the following Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless  it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you  have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
I opened my checking account on XX/XX/2020. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account. 

I met and exceeded these requirements. I followed up with the bank and they denied the bonus. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/2020. They have not been helpful at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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:
I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: VT

Complaint narrative:
On XX/XX/2020 the IRS said they mailed me a XXXX $ stimulus check. I never received it. The 2nd week of XXXX I called and found out I was issued a debit card. I have still not received it. My name is XXXX XXXX XXXX XXXX XXXX XXXX Vermont XXXX is the original adress of record. I have since moved to XXXX XXXX XXXX XXXX Vermont XXXX. I even paid extra to have the money within 10 buisness days and that never happened. I called the IRS said I must call MoneyNetwork there is nothing they can do for me, I have tried to call MoneyNetwork several times to no avail, even paying extra to get the card I have still not recieved it as of XX/XX/XXXX!!! Where is my money? Why can I not get a human being on the phone with the bank? This is a scam! Still waiting,

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ

Complaint narrative:
I attempted to refinance my mortgage with my mortgagor, Provident Funding. The underwriters asked me multiple questions and asked for  a lot of information. I gave them all that was required. They continued to ask for the same information, asked vague and confusing questions, and continued to run the clock until the mortgage lock rate expired. I emailed the mortgage broker constantly. He told me that he would escalate the matter to a supervisor. Even though I emailed him and told him that a supervisor did not get back to me he refused to respond to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NJ

Complaint narrative:
This account that is shown on my credit report is inaccurate and when I dispute the account Equifax dropped my credit score 63 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: FL

Complaint narrative:
I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.

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 2020-08-14 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXXXXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

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 explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXXXXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

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 explanation
Consumer complaint received 2020-08-14 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: MA

Complaint narrative:
On XX/XX/XXXX, Equifax removed a positive closed account from XXXX, and this seems to be the cause of a 52 point drop in my Equifax credit score from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. After speaking with their customer service line on XX/XX/XXXX, they advised me to get a copy of my credit report to see if that explains the dramatic drop. I received the report on XX/XX/XXXX and called them on XX/XX/XXXX. The only thing on my credit report is the positive reports on the one joint personal loan I've had since XX/XX/XXXX. There are no other accounts, positive or negative, and there are no hard inquiries. 

All the reps would tell me was to contact a credit advisor so they could pull my report and explain. I called XXXX on XX/XX/XXXX, and they can not assist me as it is not a debt issue. 

The issue is with Equifax, and they are unwilling to resolve. Because credit scores and reports are always stressed to be vital in life, the unwarranted drop in only my Equifax credit score ( XXXX and XXXX have had no change ) through no fault of my own is unacceptable and damaging. Their error needs to be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
On XX/XX/2020, I paid an outstanding medical debt from XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX XXXX indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX credit report as of XX/XX/2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XX/XX/2020. On XXXX XXXX, another collection for the same medical debt from XXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX by XXXX XXXX XXXX. 

I immediately contacted XXXX XXXX XXXX to inform them that this debt was already satisfied through another collection agency. XXXX asked me to send them proof of payment. XXXX indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from Cascade Capital Funding. I have attached documentation showing where I faxed proof of payment to XXXX XXXX on XX/XX/2020. 

Now, XXXX XXXX XXXX is telling me that they can not remove the collection account until Cascade Capital Funding instructs them to do so. I've reached out to Cascade Capital Funding, who told me they have not received anything from XXXX XXXX and that I need to follow back up with XXXX to get this situation resolved. At this point, I am getting no clear answers from either Cascade or XXXX. Every time I call XXXX and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from XXXX XXXX XXXX relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of XXXX was when I received a notification from XXXX that this account had been added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I had a line of credit with Citizens Bank that had a {$10000.00} credit limit. I owed them about {$9300.00} and had trouble paying them due to finances. So they ended up giving it to a collection agency. I was contacted by XXXX  back in XXXX of XXXX and they contact me and made an offer of {$1400.00} which the account would be settled in full. 
So on XX/XX/XXXX I made a payment of {$1400.00} to XXXX for the line of credit at Citizens bank which settled the account in full and closed it out.

For some reason XXXX is showing that the account was paid and closed with a payment date of XX/XX/XXXX and showing current. 
For some reason XXXX has not been updated. It is still showing derogatory, showing a current balance of {$9300.00} and a last payment date of XX/XX/XXXX. In the remarks it says charged off as bad debt, profit and loss write off. The status states collection, charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, my husband and I were referred by a US Bank Personal Banker to a loan officer for 2 mortgage loan refinancing : 1 a refinance an investment property home with cash out to put towards the 2nd refinance 2. refinance of our primary home. On XX/XX/XXXX, I spoke to the loan officer and explained what my intentions were and she indicated that she can do it and provided me with loan estimates shortly after. We submitted all the documents needed within the next day or two. On or about XX/XX/XXXX, the loan officer called me asking if we can pay the 2 loan application fees @ {$390.00} each to show good faith that we are serious about the loan because their underwriters are swamped and they don't need to waste time if we weren't serious. I indicated that based on the loan estimates she provided that we are serious and agreed to pay the total fees of 2 loans @ {$790.00}. Loan finally submitted to XXXX on XX/XX/XXXX. On XXXX, I followed up regarding status. She told me that they are really busy and will take longer to hear. On XXXX, I emailed asking if they too have the lower rate of 2.99 % as all of my friends are getting this rate. She told me that we are already locked and it will cost to break it. I said never mind then. On or about XX/XX/XXXX, she told me that they can not do a refinance with cash out on my investment property as they do not have that program. I couldn't not believe what I was hearing when she knew from the beginning what type of refinances we were applying for. Because we are already {$790.00} deep, I asked if there are other options. She gave me the options and I told her that we will think about it and see if it makes sense. After reviewing the options she gave we decided that they were not acceptable. We requested for a refund of our application fees because we felt like she took our application fees knowing that they did not have the specific program we are looking for. We have been trying to get an answer since XX/XX/XXXX and have reached out to the manager and no response to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I paid Credit Collection Services my full balance of {$530.00} on XX/XX/2020 at XXXX it came off my credit report for two weeks now its back on. 

Also I dont know what XXXX is its says owe {$860.00} never heard of that company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
The payoff of my loan was received by the servicer on XX/XX/XXXX however they are not considering the payment as received until XX/XX/XXXX. They have acknowledged that the payment was received on XX/XX/XXXX, but they are refusing to post it as of XX/XX/XXXX and have therefore charged me for an additional day of interest.

Company response to consumer: Closed with explanation