vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX,, XXXX ( Original Creditor : XXXX XXXX ) 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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,, XXXX ( Original Creditor : 11 XXXX ) 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 2019-05-31 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the  accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Applied for a mortgage and credit report said I had an outstanding judgement {$14000.00} Company : MIDLAND FUNDING LLC?? ; The judgement on the credit report has no information other than the debt collector and date filed XX/XX/XXXX. After further investigation, I did a search of MIDLAND FUNDING to see what this is all about and the company came up as another company MIDLAND CREDIT MANAGEMENT. The MIDLAND CREDIT MANAGEMENT Website prompts to enter personal information to find a debt and a pop window indicated due to the age of the account it will not be reported to the credit bureau. The company had available documents indicating owed balance totaling {$5900.00}, three different creditors different for the same account, conflicting dates, a long pay history from going back to XXXX of XXXX which made sense based on a open judgement for {$14000.00}. 
Issue : 1.Why a judgement was filed on XX/XX/XXXX without notification and reporting in XXXX of XXXX? 
2.Who is the entity Midland funding ?, MCM CREDIT MANAGEMENT?, XXXX? PER STATEMENT POSTED IN MCM ACCOUNT, XXXX? PER SCREEN ACCOUNT Filed. I do not know who the creditor is with all these different names and none of these name appear on my credit report except for Midland Funding LLC. 
Statement provided from MCM with XXXX?? noted as a creditor has a bill date or report date of XX/XX/XXXX and judgement showing in XXXX which is 11 years later? 

3.If payments were made, why is there a judgement and MCM amount is different from judgement. Who are these people??? 
4.Pop up says disclosure to not report debt to credit bureau because of age, but reporting to bureau as a judgement??? 
5. I only became aware of this because the mortgage company told me to fix prior to purchasing a home. A debt from XXXX from the bill looks like it was settled for less, but can not tell with limited information that is all conflicting. 
Overall, I think this is a scam cause of all the conflicting information and just need this judgement removed so I can move forward with my home purchase. thanks you XXXX XXXX DISTRICT COURT/XXXX XXXX Filed XX/XX/XXXX Reporting to credit bureau as of XX/XX/XXXX and original debt on phony statement from MCM is dated XXXX?? https : //accounts.midlandcredit.com/ # / thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why Equifax and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why XXXX   and Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
The company all state credit bureau is not licensed and bonded in Michigan to act as a collection agency currently. They are illegally attempting to collect debt although not properly licensed. the calls are very aggressive and harassing as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NY

Complaint narrative:
On XX/XX/XXXX in that time frame, I received a call from an Ameritech Financial representative, so i can pay off my student loan in small payments of {$82.00} a month. I asked how long would it take for me to pay off my student loan? The representative said 25 years if i pay {$82.00} a month. I had been paying Ameritech through my checking account monthly automatic with drawl. I had been paying for 1 year and 3 months. 
On XX/XX/XXXX, I received a letter in the mail from the Federal Trade Commission that they are suing Ameritech Financial for deceptive practices. They instructed me on what steps to take to cancel the services and ask for refund. I canceled Ameritech on XX/XX/XXXX. I asked for refund and they said i couldn't get money back, because of the agreement i made, but can cancel service and that was it.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing ( SLS ) has become my new servicing lender since the beginning of XXXX. I have reached out to this lender on several occasions for mortgage assistance or loan modification. They continue to give me the run around regarding some type of assistance that I qualify for. My current BK post post petition payment is at a ridiculous {$3100.00}, my current P & I payment is {$2200.00} at 4 % per my docs I signed back in XXXX. SLS continues to send me denials stating that my P & I payment is {$1600.00} at 2 %. They clearly are smarter than this to make these type of errors. Because if you read the agreement I signed back in XXXX it clearly states that my current P & I payment is {$2200.00} at 4 %. If you look at the response they sent to me dated XX/XX/XXXX they clearly say in the 4th paragraph that my new P & I payment after modifying loan balances would be {$2200.00} which is clearly less than my current payments. When I call them they keep saying oh can you fax that over we're not seeing that anywhere. They are just playing games and are unwilling to finalize a loan modification for me ASAP. I would like for this organization to intervene and help me accomplish in receiving a loan modification for my family and I. Thank you and l look forward to hearing from you all asap. 

XXXX XXXX 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 2019-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
YOUR COMPLAINT I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my XXXX credit reports. Im requesting verification of loans including original signature on documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: ERC
State: LA

Complaint narrative:
1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal customer of chase for the last few years, and without a blemish on my account. Unbeknownst to me, due to lack of focus and judgement, I inadvertently scheduled automatic payment to an inactive account that caused me to missed two payments I wasn't aware of this matter until I checked my account and found out about the missing payments, which I immediately scheduled for payment at the end of this week. 


I am a XXXX making over 300k a year, and certainly can make this payment without a problem. It was a mistake and I ask that you exercise good will and erasing this delinquency from my credit record. My credit score is vital in securing a loan at a lower rate. 

I thank you in advance for your consideration. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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 non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX 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 2019-05-31 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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 non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I was contacted via phone and XXXX on XXXX about a give away on XX/XX/2019 I was reached out to about a give away where I had won {$100.00} and that they would send it via cash app. That is when I received the phone call about the give away. While I was on the phone with them is when I got the unauthorized pin change request. Within mins the user XXXX XXXX started sending money to themselves using my cash app. The following amounts were sent out 9 {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00} all from XXXX XXXX stayed on my cash app. XXXX XXXX XXXX sent me a security text asking if I authorized these charges and I texted no. I only received partial reversals and still had {$3000.00} taken because my bank app showed they actually attempted to take more than the started amounts. I called XXXX XXXX XXXX immediately and filed a fraud claim. XXXX XXXX XXXX is refusing a chargeback because they can not prove I did not authorize these charges because my pin was used. My pin was fraudulently taken and in no way did I approve these charges. The number that texted me for the scam +XXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2019-05-31 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : 12 XXXX  XXXX XXXX    XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX 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