vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all XXXX credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy XXXX XXXX XXXX XXXX Georgia, and XXXX stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, XXXX, & TransUnion two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy XXXX, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy XXXX, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

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 2020-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX XXXX XXXX Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, Experian, & XXXX  two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX US Bankruptcy Court, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX on XX/XX/2020 I pulled my credit from XXXX. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.

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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have made more than 20 inquiries and complaints regarding my account with Citi to the XXXX XXXX XXXX, their company 's customer service numbers and chat feature via their app. I have been told false information and wasted my money to pay towards this debt in order to be placed in the hardship program, which their representatives refused to place me in even after I did what was said to be required of me. 

Since the covid 19 pandemic my income was drastically reduced, every single one of the companies I have credit cards with worked with me with the exception of theirs.

They have been mostly unreachable via their customer service number for months, long hold times and repeated hang ups.

Over the course of 7 months I have made countless inquiries to citi and was given false information causing my debt to increase in size with excessive fees, despite my attempts to resolve this matter with their customer service department. I was even told on numerous occasions to call back, when I explained if I called back at a later date I would incur another fee, something their representatives should be aware of. Instead of helping me to prevent this, they encouraged more time to pass so more fees would be placed upon my account. 

Even before this pandemic hit when I made a phone payment in XX/XX/2019 their customer service representative directly they told me the wrong amount due and proceeded to charge me a late fee for the following month. This was fault of their customer service and not my own. I have my phone and bank records to prove this.

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 2020-07-29 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: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX XXXX  XXXX This is an alleged debt that I am not claiming.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I do not believe this will be resolved with the company and they are not taking actions against the employee. They have multiple complaints and lawsuits which looks like we will have to do as well. On XX/XX/28, I was called 4 times, the last 3 were from a number with my same area code from home where my family lives. I thought something had happened to them. I answered and a man who quickly ( before I could even hear him ) stated his name and that he worked for XXXX XXXX. I have never had a collections place call me and I pay everything on time so I thought it was a scam. I asked to provide more information and he would only say it was from an apartment complex I lived at 2 years ago. At this point I am thinking it is definitely a scam as he refused to answer any other questions and continued to threaten me, I tell him I am going to call the original debtor and he tells me to not do that and then rattles out my social security number, date of birth, and drivers license and asks me to confirm this info, I didnt know what to do. He then proceeded to tell me if he was a fraud, he would use my info and open up credit cards and just pay himself. The aggressiveness and the push to " give me your credit card info now '' led me to believe it was a scam especially since I knew I had no outstanding debt. I hung up on him and called the apartment complex who told me that they were getting calls all day long about this and there was an error. People that lived there in past years were sent incorrectly to this new collection agency. They reassured me they would fix it and sent me the attached ledger to let me know I owed nothing and I was ok to ignore the caller. Later that night XXXX XXXX calls again ( the same rep ) and he continued to harass me when I tried to explain what happened to him. He said that he was going to report it to the credit bureaus which would ruin my credit, He said they would take action against me. He then said I could mail the ledger to their PO box but that its better to just pay it because it would take a long time to resolve it and in that time it would go on my credit. My girlfriend picked up the phone and got aggressive back with him and he placed her on hold so she hung up on him. We called XXXX XXXX and I spoke to a manager named " XXXX XXXX '' who asked us to email him the ledger ( so apparently PO box isnt necessary ). But in my opinion the burden of proof is on them not me to prove to a company I never heard of that I dont owe anything to an apartment complex I moved out of 2 years ago. I got harassed for no reason and nothing is being done to the employee or the company for what I had to go through. My next step is legal action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am begging that the late payment for XX/XX/2019 from WF/XXXX XXXX XXXX be removed from my report. During that time, I got laid off and did not have any money to make payment for that month, however, I managed to borrow money from my relatives to cover that 1 late payment. I have been paying this account religiously since then and now, I am trying to get a better position in our office but this 1 late payment is really affecting that promotion negatively. I desperately need this promotion and I would be extremely appreciative if this late payment will be removed. I have been contacting WF/XXXX XXXX multiple times to get some help but to no avail. During this pandemic season, I need this promotion even more so please help me.

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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stone Higgs & Drexler
State: TN

Complaint narrative:
I feel that I have been discriminated against with their lending practices as well as them being unwilling to assist me with resolving my debt. I uploaded a detailed description.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
In XXXX of XXXX I went thru the Home Affordable Modification Program and initiated a new payment program initially thru XXXX The program included incentives for paying on time that accrued at XXXX per month, each month for the first 5 years of the Mortgage. After each year for the first 5 years, {$1000.00} should have been applied as Principal reduction to the tune of {$5000.00} after 5 years. Also a Dodd Frank Certification program enabled me to receive an additional {$5000.00} on my 6th anniversary of on time performance, XXXX of XXXX. These documents are attached. Greentree and or Ditech, never applied any of these payments they should have received from the Treasury. After several inquiries and even getting sent from Greentree/Ditech the actual documents supporting these payments, they ignored any resolution to the issue. In XXXX of XXXX, the mortgage servicing was turned over to XXXX ( XXXX ). I have made several inquiries ( five specifically, 3 phone calls and 2 detailed e-mails ) since the servicing was transferred and even sent the documentation, and have not heard anything back. I finally got to someone today ( XX/XX/XXXX ) who told me they knew nothing about this and its not their problem to resolve. I have gone to the XXXX XXXX XXXX website, and spoke to their counselors ( XXXX  ). They can't help me and referred me to this means of resolution ; as well as, contacting the Treasury department, given that's where the payments should be coming from anyway. After contacting the Treasury department, they referred me back to the XXXX XXXX XXXX website and the HUD Counselors from XXXX. I do not know who to go to in order to get these payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: AR

Complaint narrative:
I previously filed bankruptcy, and reaffirmed my mortgage loan through U.S. Bank and kept the mortgage. Now, the bankruptcy case is closed but U.S. Bank is refusing to ever report the loan again, despite a representative from U.S. Bank signing the reaffirmation agreement to keep the loan, which officially REMOVED the account from bankruptcy and the bankruptcy case being closed.

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 2020-07-29 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: NJ

Complaint narrative:
this is my second request, and the 2nd time that i am sending a copy of my social security card and my driver license along with my FTC report to Experian for my complaint due to identity theft

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I entered a lease on or around XX/XX/XXXX on the original lease. I state the carpet is already used and has an odor. I noted that the blinds weee broken and mismatching. During my 2 plus years at XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. In fact, fixed a stair rail that kept falling off and had XXXX XXXX XXXX plumbers install a sink I paid for because the one they had was old and fell off the downstairs bathroom. I was an excellent tenant and always paid my rent on time. In XXXX of XXXX XXXX XXXX XXXX, XXXX, came over to reassess the property. He then chose to not charge me a pet deposit, but rather raised my rent {$100.00} a month. He did not ask, request or discuss a pet deposit other than the increase. I then was told by XXXX that the owner was selling the property and that I had 60 days to move. I immediately in XXXX of XXXX began looking and moved out per our agreement on-time despite Covid 19 on XX/XX/XXXX. I asked the XXXX company to come do the walk through, but they - No Showed. I had complaint that the property windows were not secure and they did nothing. I left the house in the best clean and damage free. There was some wear and tare, but the company has an {$800.00} security deposit to cover those costs. However, XXXX lied to me and told me he needed my new address to mail me my deposit. When Im fact he has submitted false information and information that indicates XXXX XXXX XXXX wants me to remodel the unit? I am not responsible for remodeling a unit that I rented that is the owners responsibility. The company they hired is harassing me with calls, letters and reporting false information to the credit bureaus. National Credit Systems is reporting false allegations, pictures and information. I am disputing this at every level to resolve based on facts. It is the landlords responsibility to do a final walk through and if there was graffiti on the wall that is not of my doing? I dont understand why I am being victimized in this situation? Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a XXXX XXXX approx XX/XX/XXXX rcvd. Account records sold to them This is where the injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to so.e XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. Levy and Ass. To appear in court. I have been paying XXXX a month to Levy for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. Levy was.not even aware of XXXX XXXX. Therefore XXXX XXXX was not even one ta! ing me to coudt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I spoke with XXXX at XXXX XXXX who advised she was a manager on  a recorded line. She provided details regarding a medical debt and advised that the account had not been sent to any of the 3 major credit reporting agencies. She did advise that if I made a payment of {$320.00} in full it would ensure the debt would not be reported to any credit reporting agency. I paid the debt in full as agreed upon. Later that afternoon, I was made aware by XXXX XXXX that the XXXX XXXX XXXX had been reported to the credit agency. I returned a call to XXXX XXXX and spoke with manager XXXX in the XXXX office who further advised that no account with XXXX trade line had been reported. I explained that it had been and asked if it would be deleted based on the assurance Id been given. I was told that they would not delete. I feel that this company acted in a deceitful and unfair manner. During a pandemic financial hardship, Im trying to protect and repair my credit. I tried to do honest and fair dealings with XXXX and they use deceptive practices to collect a debt. I am requesting that XXXX remove all trade lines from all major credit bureaus due to them unfairly advising me that they had never reported. Please any support that the CFPB can provide in resolving this issue would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I do not owe PROFESSIONAL DEBT MEDIATION this debt of {$2800.00}. Even the documents I received AFTER the debt was placed on my credit report show that I do not owe this debt. I can not even imagine how they arrived at that figure. I have requested that they remove it from my credit because I do not owe it and because they posted it to my credit before first contacting me. However they changed the amount owing instead of removing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Thank you for your time! Humbled am I! 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 and Reporting Act section 611 ( a ) ( 1 ) ( A ) and  Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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