vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : COMMONWEALTH FINANCIAL SYSTEMS INC # XXXX To Whom it may Concern : This is a 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 assign ability because it violates 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. 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 XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX  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 2021-03-26 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: CA

Complaint narrative:
Contacted both XXXX  and Transunion about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

XXXX and Transunion kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least XXXX agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We was contacted for a rental property claiming he received my number from XXXX XXXX. We was in contact with him about the property and when we got closeto seeing it he said that property was secured and he gave us another address to see. He gave us the code to get in and we liked it. So went through the process of paying him the application fee the deposit and the XXXX month 's rent. We was supposed to get a email from a lockbox company for our key. It was XXXX hours and I was getting worried it was a scam. So I called invitation homes and they told me it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
FIDELITY INFORMATION C Original creditor : XXXX XXXX XXXX : {$2900.00} STATUS DATE : XXXX XXXX This formal complaint regards a fraudulent entry on my personal consumer credit account, erroneously reported since XXXX XXXX, listed by FIDELITY INFORMATION C XXXX regarding original creditor : XXXX XXXX XXXX XXXX adversely affecting and damaging my credit score and financial status since XX/XX/XXXX. 

After multiple attempts and repeated requests, including certified mailings with court certified documents ( mailed XX/XX/XXXX to FIDELITY INFORMATION C XXXX validating my dispute regarding the above stated fraudulent entry, XXXX XXXX XXXX has continuously refused to remove the fraudulent listing and repeatedly disputed my requests for removal with major credit reporting agencies. 

I am seeking full redress and a complete cease and desist from FIDELITY INFORMATION C ( regarding original creditor : XXXX XXXX XXXX for any future dispute rebuttals, and immediate removal of any and all negative reports or entries from my personal consumer credit account, including any and all public reporting involving my name or likeness. 

I have full documentation ready and available upon official request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: LEXISNEXIS
State: TX

Complaint narrative:
Company : LexisNexis XXXX LN ) Once I received my credit report from LN, I sent in my reply to the incorrect reporting of information. I received XXXX letter asking that i verify jy identity, which i returned promptly, Did not hear anything form them again. This events happened in and around XX/XX/2020. At the beginning of this year i sent in a request for my credit report. Again. I did NOT hear form them - over 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : 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 2021-03-26 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX  and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
Two accounts against my credit has been paid in full and information has been submitted to Experian and they fail to upgrade credit score.

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 2021-03-26 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: Colony Brands, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank card ending in XXXX - payment was negotiated through Federal Debt Relief Program, paid in full and balance subject to 1099. They are claiming I owe {$6500.00}, this amount should be XXXX. Their statement on my credit report is FRAUDULENT as this account is paid in full with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my XXXX  day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CT

Complaint narrative:
The Global Lending Services. company is accusing me of owing them over {$8000.00} they are submitting nothing relating to facts. I have asked the CT state Senator and the CT XXXX to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Hello, I am reporting ARS Account Resolution Services. I sent two letter asking for verification of debt and they will not send me the information I asked for. It is a repeated hetter stating : " As you are already aware, ARS represents XXXX who provide services in healthcare facilities throughout the country. In response to your request for verification of debt we have listed the amount below. ARS has verified this information with our client. ARS denies there are any inaccuracies in the account balance reported to the credit bureaus. '' I sent the verification letter XX/XX/21 and they sent a letter XX/XX/21 not giving enough time to properly verify this account nor sending me the contracts and documents of proof that I asked for twice. ARS continously fails in giving me documents pertaining to this account. I have called and apoke tonrude representatives who will not help in verifying this alledged account. Their practices are shady and unethical.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My complaint pertains to CITI Bank XXXX XXXX XXXX XXXX which I've had since XXXX. I have that card on file with a meal delivery vendor which I have been using during COVID to get diet-appropriate meals safely delivered to my home each week. 

I was notified on XX/XX/XXXX by a meal delivery vendor ( XXXX ) that I would not get next week 's special diet meals because they could not process my {$50.00} fee on the credit card they had on file ( and had used previously ). I was confident it was their error because my account I've had since XXXX is always in good standing. I immediately called the customer service number at the CITI card and was shocked to hear that they indeed had suspended my ability to use the credit card even though I had not missed any payments on the account. 

They said they suspended it because they were currently reviewing my XXXX payment and hadn't " finished yet. '' The payment arrived a few days late, they said, despite being payment in full. I told them that : 1. I always pay as soon as I receive the bill ; I can not pay before I receive a bill ; 2. I do not control how long the post office takes to send them my payment ; 3. I do not control how long they take to process my payment ; 4. I have always paid 100 % in full ; I have never carried a debt on any credit card ; 5. The CC agreement, as I read on line, indicates that the card can not be cancelled until THREE payments have been missed. 
6. How can they rightfully decline a payment for a vital home-delivered meal service no less, during a panedemic, for a client who is in excellent standing with a credit score of XXXX? 
7. I spoke to a manager who agreed that the policy is insensitive to the needs of cardholders and makes no sense but she insisted it was being applied to all cardholders. I find no written evidence of this policy in my paperwork.

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 2021-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is reporting a late on XX/XX/20 and it is inaccurate. I recently checked my credit file and noticed that this late was reporting. I had set up skip a payment with Bank of America and they said that no late would report. However, I assume the representative didn't set it up correctly and it reported a late. I was never late, this is not my error. Please remove the late notation from my credit file.

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 2021-03-26 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: CA

Complaint narrative:
Contacted both Experian and XXXX  about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

Experian and XXXX  kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least 10 agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?

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 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We applied for a mortgage refinance with the same credit union we have a loan through ( NFCU ) and this was at the beginning of XXXX, its currently XX/XX/21. In the beginning after we submitted our application along with the required documentation, they had my name wrong and my wifes birthday wrong. We have had our close date moved twice and were potentially going to have a third if they cant close on XX/XX/21. Weve had our application handed off to multiple loan processors due to leaving their roles. Weve had our credit ran three times, which as you know dings your scores. Weve paid for the appraisals and pest reports ahead of time. Our loan appraiser ( XXXX XXXX ) will not return phone calls or emails nor will her supervisor ( XXXX XXXX ) weve tried escalating this past XXXX but were told from the call center that were unable to escalate past XXXX even though he wont call us back or email back. Just a short time ago on the line with NFCU trying again to contact them both and get an update, we find out that XXXX is out of the office until XX/XX/21 which were supposed to close on XX/XX/21. No warm hand off, no follow up and here we are at their beckoning call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation