vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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:
I found out that there is a XXXX XXXX account on my credit report in negative standing ; I found out about this account today XX/XX/20 when I got my credit ran to buy a new car. I did not qualify for the car loan due to this account that I never even opened. I did not allow anyone to open this or any other account in my name using my personal information and I have never opened any type of account with that company. I don't know much about this account but for now, I have done what I can in order to get this cleared up such as notifying the company reporting the account as well as filing a police report. I did not benefit anything from this account that was opened on my behalf nor did I ever contribute to any payments made towards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: NE

Complaint narrative:
My PlayMGM prepaid card has been blocked due to fraud. The website is playmgm.mycardplace.com. The balance is on my account is {$180.00}. The company refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: MO

Complaint narrative:
Im writing regarding your recent response, stating that the following companies, reporting the following alleged data, have, in FACT, been VERIFIED which is IMPOSSIBLE since frivolous data is unverifiable. Im making a final goodwill attempt to have you clear this matter up immediately because the following listed data is entirely inaccurate, incomplete, and represents a VERY SERIOUS ERROR in reporting on your part. Once again, the data in error are as follows XXXX XXXX- not mine fraud XXXX - not mine fraud XXXX XXXX  XXXX Not mine fraud XXXX XXXX - not mine Considering the above, please be advised that a detailed description of the procedure in which you used to determine the 100 % ACCURACY AND 110 % COMPLETENESS of the data provided ( including all 67 fields of required data in Compliance with METRO 2 STANDARDS ) for the accounts listed above, is hereby requested to be provided within fifteen days of the completion of your re-investigation date.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your agency was required by federal law to verify, via PHYSICAL VERIFICATION any and all account data that youve posted to my credit report. And therefore, since youre claiming that all of the above data has been verified, then I must demand to see an official copy of EACH document used to verify this account, particularly any contracts and/or purchase receipts bearing MY signature, and showing that I have a legally binding contractual obligation to pay the EXACT amount claimed, or ANYTHING AT ALL for that matter, ALONG WITH ( 1 ) the Name, ( 2 ) the Address, and ( 3 ) the Telephone numbers of each person you contacted in regards to the above alleged account data and whom will be responsible for these errors.

Any AUTOMATED responses are UNACCEPTABLE. So I am requesting both a Reinvestigation AND your METHOD OF VERIFICATION per Federal FCRA Law. Per the FCRA, unverified accounts MUST be removed, and in the event that you do not and can not provide this information EXACTLY as requested in this letter ( including your Method of Verification ) per my consumer rights, then I must formally request that these negative accounts OR the negative data attached to them, be immediately, AND PERMANENTLY, removed as disputed & requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a credit card from BBVA XX/XX/XXXX, around 1.5 years ago my cc was stolen and used. I disputed with BBVA several times about fraudulent use but they said that there was none and that I needed to pay or they would report me to the credit bureaus I did what they asked for my credit is very good and they have all the leverage to ruin it. I requested BBVA to close the acct over 1 year ago. I had been paying the closed acct for over 1 year from the same checking acct when I decided to pay off in full in XX/XX/XXXX when BBVA employee took down the wrong checking information and payment did not go through due to BBVA employee mistake. They called me several days later saying that I gave them the wrong acct and routing number which was going to cause acct to show late on my credit report even though I paid it off in full and paid it for over 1.5 years from the same checking acct that I gave them every month to make payments. BBVA has caused me hardship for I have been denied credit when I have had good credit this one 30 day late reporting on my credit has hurt me unfairly please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
It seems as if me having to file complaints against this horrendous company is becoming a common and reoccurring theme. This company has yet to present any proof that I didn't fulfill my contractual obligation. They only present what is ALLEGED that I owe but have yet to show that I did not fulfill my contractual obligation. They only go by what is alleged. It looks to me that it's my word against theirs. But I'm basically guilty until proven innocent when it should be the other way around. Horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ON XX/XX/2020 I WAS HIT WITH A HARD INQUIRY FROM A ONE " SYNCB/XXXX  ( XXXX  ) ''. AFTER I DID MY RESEARCH, COME TO FIND OUT ITS AN AIRLINE 3RD PARTY BOOKING AGENT WITH A NEW CREDIT CARD. DONT HAVE AN ACCOUNT NEVER HAVE BOOKED WITH THIS COMPANY. TRIED CALLING THE PHONE NUMBER MULTIPLE TIMES AND HAVENT BEEN ASSISTED YET. THEY PROMT ME FOR IMMEDIATE ACCOUNT INFO ( THAT DOESNT EXSIST ) AND OR A PAYMENT FOR AN ACCOUNT ( THAT DOESNT EXSIST ). IN THE MIST OF THIS IT IS HURTING MY CURRENT CREDIT SCORE HINDERING FROM GETTING CURRENT AND FUTURE LINES OF 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 non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage was transferred from XXXX to Carrington Mortgage Services LLC in XX/XX/2020. An electronic payment was made on XX/XX/2020 From my account at XXXX XXXX XXXX, and received XX/XX/2020 by Carrington Mortgage, LLC which accepted payment, however the funds were erroneously credited to an incorrect account rather than to my mortgage account due to two numbers were transposed in the memo field on the payment. 
Upon contacting them to correct the error, Carrington Mortgage LLC requested evidence of the payment, which was faxed to their number XXXX. the evidence provided was Proof of Payment by XXXX XXXX XXXX  ( attached ). showing the payment type was electronic, it includes the Customer Name information and address, payment dates Payee Information, payment amount, send date, received date, status of " Paid '', the memo section shows the loan number with the transposed numbers, etc. 
I contacted Carrington Mortgage Services LLC to confirm receipt of the fax, which they confirmed receipt. however they stated that they would not correctly credit the payment, and it would take an additional 3 to 5 business days for them to review the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: GA

Complaint narrative:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from 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 2020-03-19 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:
I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: Innovis
State: GA

Complaint narrative:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I disputed a {$350.00} charge on my account with XXXX XXXX XXXX  because I paid for a marketing service. The service I signed up for was through the company 's CFO named XXXX XXXX. The company 's marketing program that I paid for advertised that they would provide marketing recognition and name recognition for my business and those services were not rendered. The service with XXXX XXXX XXXX was for {$350.00} and was paid for in Mid XXXX. As months went by, I corresponded with them to see when my marketing services were to be rendered and they said they were working on it. I never received my services after several months of correspondence, so I called Chase to dispute the {$350.00} charge. On XX/XX/17, my temporary credit was reversed and I was re-charged the {$350.00} despite me telling Chase Bank that I did not receive the services I paid for. I spoke to a woman named XXXX, and a man named XXXX at Chase over the phone. XXXX told me that even though I did not receive the services I paid for, there was nothing they can do to refund my {$350.00} because I was supposedly supposed to dispute my charges within 120 days of the service. I disputed these charges outside of the 120 window by 9 days, and XXXX said there is nothing they can do. He was rude, condescending and not helpful. When I first disputed this charge with XXXX, it was not disclosed to me that I would forfeit this temporary credit and I was not advised of the 120 day window. If this was the case, I should have been notified that making such a dispute would be for no good reason. I need to be refunded {$350.00} for the services that I never received from XXXX XXXX XXXX. To this day, XXXX XXXX XXXX has not responded to my persistent requests for an update on when my marketing services would begin. This is fraudulent and unfair business practices, and frankly, theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
To whom it may concern : As XXXX  XXXX  in New Jersey During this COVID-19, we are having a financial hardship to pay our mortgage as our XXXX  were abruptly forced to stop doing XXXX XXXX XXXX XXXX  and XXXX XXXX and XXXX  are not cutting for us. 

Our motgage company name Mr.Cooper is not willing to work with us, when called them they threatened us to report to credit bureau and are suggesting that they do not have any plans as of yet to put halt on our mortgage payments. 

During this process, as struggling XXXX XXXX we want to make sure that our credit stays intact, as to rewstablish our XXXX  when this scare is over we will need all the resources available to us to start our XXXX  again. 

Please help us defer our mortgage payments through this company, as most of the lending companies have already done this. Your help is much needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: CA

Complaint narrative:
I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

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 2020-03-19 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:
I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

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 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX of 2019 I contacted Carrington mortgage because I had been injured & unable to work. I stressed to the agent I spoke with that I had the funds to make the payment for XXXX, however i was interested in a payment arrangement for that month to ease the financial burden. I specifically asked if the arrangement would be noted as a late payment on my credit report and was told that it would not. I paid the arrangement as agreed & found later that this was reported as a late payment. I contacted Carrington & was told that they would not change the notation for XXXX, even though the arrangement was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/2019, I enrolled in a Goldman Sachs Online Savings Account promotion to receive {$100.00} after depositing {$10000.00} new money and maintain the fund for 90 days. 
On XX/XX/XXXX, I transferred {$10000.00} from an outside bank to my Goldman account, making my account balance at the time {$10000.00} ( see attached XX/XX/2019 statement ). 
In XX/XX/2019, as I did not receive the bonus, I called Goldman Sachs. I was told that since my balance fell to {$10000.00} on XX/XX/2019 when a {$25000.00} withdraw was made ( see attached XX/XX/2019 statement ), I was disqualified from the promotion. 
I feel that this practice was extremely dishonest and unfair for two reasons. 
1 ) I was disqualified essentially because I took away XXXX XXXX   from Goldman Sachs, while still maintaining the said {$10000.00} balance. 
2 ) At no point between XX/XX/2019 and when I contacted them, I was notified of the disqualification. 
I hope that Goldman can make up the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 First Mark Services reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. First Mark refuses to fix my report even though the forbearance was  approved. Its not my fault it took the lender so long to process the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
See attached advertisement. It doesn't talk about credit score down payment, points or apr. No way this apr was available at the time the advertisement was out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: VA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX | DOB :  XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification 1. 
XXXX XXXX XXXX XXXX Unverified Account 2. 
SOUTHWEST CREDIT SYSTEMS XXXX**** Unverified Account 3. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Unverified Account 4. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation