vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that CHOICE RECOVERY Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a hard inquiry on my XXXX XXXX  that there was ahard inquiry from capital one. info listed Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I did not apply for any capital one credit card, loan or mortgage of any kind, so i am afraid it is some kind of fraud. i t now shows on my credit report from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NV

Complaint narrative:
I changed my home owner insurance on XXXX because the insurance was way to expensive.I called the company which is vanderbilt mortgage.I told them i switch and want them to stop taking escrow out since i pay my own taxes and now my own insurance and they told me to cancel it and put in escrow.they took money in XXXX. and XXXX.I am on a fixed income and need the extra money which now stands at $ XXXX.they should not take the money when there is nothing to use it for.

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 2018-10-22 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: SD

Complaint narrative:
On Friday, XX/XX/2018 I went through Equifax 's " security freeze '' process at https : //www.equifax.com/personal/credit-report-services/. It forces you to create an account to place a freeze. 

I created an account. 

It doesn't allow logging in. It gives the following error : " We are temporarily unable to complete this request. 
Please try again later. '' It is now Monday, XX/XX/2018. The above message is constant and has been in place since Friday. 

Today, I received a welcome email from Equifax for their " myequifax '' website, which, as noted above, does not allow a login. I called the number in the email. I was informed Equifax has been updating their system " for a month '' but that I should " call back in 30 minutes ''. 

I called back 2 hours later. I was told, again, that nothing could be done because their system was updating, and to " call back again in 30 minutes ''. So I called again 3 hours later, and ... same thing. 

My understanding is that federal law states these jokers are supposed to allow me to place a security freeze. 

They are not allowing me to do so online or via phone. 

Between this and not being able to get my report, I've wasted multiple hours now trying to deal with Equifax 's broken website and support, and am seriously considering following the example of the woman in Vermont and filing my own lawsuit in small claims court. What's the point of having laws if there's no penalty for not following them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has my account frozen and in dispute for 4 months. I can't get a response. I'm on hold until they obey the law.

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On the following dates a hold was placed on my Citibank credit card without my consent or knowledge : XX/XX/2018 XXXX XXXX XXXX $ XXXX,XX/XX/2018 XXXX XXXX XXXX XXXX {$50.00}, XX/XX/18 XXXX XXXX XXXX {$100.00}. I reached out to XXXX XXXX an was told a hold was placed on the card for incidentals and hold was released on day of departure. However, the holds were still showing on my Citibank account which denied me use of purchasing power. I then reached out to Citibank and asked for an immediate release of said holds, that were on the account for weeks close to a month. Citibank refsued to release said hold, insctructed me to reach out to XXXX XXXX, and stated only XXXX XXXX can release said hold. I again reached out to XXXX XXXX who confirmed in writing Citibank is the one not releasing said hold on the account. 

As the consumer I am caugh in the middle and holding Citibank accountable because once I disputed said charges the hold should have been removed until investigated by Citibank. I filed a similiar claim with the CFPB over a year ago about the same incident and business XXXX XXXX and Citibank.

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 2018-10-22 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: MS

Complaint narrative:
To whom it may concern : I am filling a complaint with the company, Transunion ... 
Id recently submitted certified letters to the company requesting validations for the following accounts : XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX ... 
The items were not validated and are listed as being removed, but they are still listed on my report as collection/charge offs, which is dropping my credit score ... 
Please assist ...

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 2018-10-22 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: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
CommonWealth has been reporting false information on my credit reports. XXXX  is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.

I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX  but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
Linebarger Goggan Blair & Sampson, LLP is the law firm that is trying to collect an alleged debt from the city of XXXX. I have responded 5 times to the law firm asking them how and what will the city of XXXX or the law firm will take to pay this alleged debt. I am not an attorney so I can not make a legal determination so unless the law firm tells me I don't know how or what to pay the alleged debt. Linebarger Goggan Blair & Sampson, LLP should be liable to tell me how and what can be used to pay the alleged debt. Please see Title 31 section 3124 and Title 18 section 8. The law firm states they got the judge to sign a warrant because I won't pay. Not being an attorney I have several questions that the attorney firm should know, yet they refuse to answer. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, XXXX. DID NOT PROVIDE DISCLOSURES, AGREEMENTS OR SIGNATURE CARD AT THE TIME I OPENED MY ACCOUNT ONLINE XX/XX/XXXX. AFTER CHASE CLOSED MY FEDERAL BENEFITS EXEMPT ACCOUNT ON XX/XX/XXXX I RECEIVED SEVERAL LETTERS FROM CHASE REFERENCING A DEPOSIT AGREEMENT THAT I NEVER RECEIVED. I DO UNDERSTAND THAT CHASE HAS AN OBLIGATION TO PROVIDE THIS INFORMATION WITHIN 30 DAYS OF OPENING THE ACCOUNT. IN THE FUTURE CHASE BANK MAY WANT TO SEND DEPOSIT AGREEMENTS, SIGNATURE CARDS AND DISCLOSURES IN SUCH A WAY AS TO ENSURE PROOF OF CONSUMER RECEIPT AND ACCEPTANCE. THIS WOULD BE ESPECIALLY RELEVANT TO A CONSUMER WHO HAD OPENED THEIR ACCOUNT ONLINE AS I DID. 

I RECEIVED A SIGNATURE CARD FROM CHASE ACCOMPANIED WITH A LETTER DATED XX/XX/XXXX. THIS SIGNATURE CARD IS MISSING MY SIGNATURE, WHICH WOULD BE REQUIRED ON THE DOCUMENT. THE SIGNATURE CARD IS USED AS A SECURITY MEASURE TO VERIFY SIGNATURE COMPARATIVES. THEREFORE THE SIGNATURE CARD WOULD REQUIRE A LIVE OR WET SIGNATURE. THE SIGNATURE CARD CHASE HAS SENT ME IS NOT RECOGNIZED BY ME AND IS NOT SIGNED BY ME. I MUST CONCLUDE THIS SIGNATURE CARD SENT TO ME WAS CREATED AS A FICTITIOUS DOCUMENT IN AN ATTEMPT TO DECEIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency called me and identified themselves as the NRA updating their mailing list for members. Being a member I gave them the information asked for. After that they advised this was a call to collect a debt I asked them who they were again and they responded the NRA National Recovery Agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation