vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,

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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase credit card I have continually reported as a FRAUDULENT/ NO KNOWLEGDR OF account BECAUSE 1. I have no knowledge of opening This account or incurring this debt and 2. They have continually reported the WRONG ADDRESS after I have addressed them Several times about it. I live in a 7 story high rise with over 60 apartments and they have my apartment as listed as XXXX apt XXXX XXXX XXXX XXXX MA with NO LETTER PRIOR TO THE # which includes every apt #.
Apartment number, although Ive reported to all three bureaus my address is to include an Apt XXXX with anything. Ive shown them my ID and repeatedly told them That this is not my account and there would be no way of getting my mail if they had addressed it to XXXX XXXX XXXX XXXX  alone, it would have been set out in the public lobby for anyone to grab. I believe someone else took a pre approved offer or had My info previously and they have opened the account and made it deliquient. Also, none of the phone numbers when I called to check with them have I been associated with. Please Id like this removed from my Credit report as I believe XXXX has already removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX  NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.

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 2017-11-13 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: Consumer Collection Management. Inc
State: IL

Complaint narrative:
This company, Consumer Collection Management- acct # XXXX is showing an delinquent account as of XX/XX/XXXX for {$2000.00}. I never received any mail notice regarding this debt nor have I done any business with this company. I have requested that the credit bureaus investigate this, via electronic disputesXX/XX/XXXX, XX/XX/XXXX and via a credit repair agency as of XX/XX/XXXXand XX/XX/XXXX. As of this date, the bureaus have refused to investigate this account or they state that it was an error with my request. In addition, whenever I request or attempt to have the account investigated, the company keeps changing how their name appears on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
In XX/XX/XXXXmy daughter was hospitalized to XXXX XXXX. She presented with complications and the XXXX turned into a XXXX XXXX. Her original due date was in XX/XX/XXXX. I to had be off for 2 weeks at this time from work and unable to pick extra shifts with my other job as well. I myself have had some XXXX XXXX and missed a lot of work. I am currently on intermittent FMLA with my employer. I fell behind with XX/XX/XXXXand XX/XX/XXXX payments sent a payment for XX/XX/XXXX in it was returned to my bankruptcy attorney with a letter stating it 's not enough. They stated I needed {$2700.00}. My attorney told me that she would have the notes added to my plan in my chapter XXXX bankruptcy. XXXX XXXX refused to accept these terms and filed a motion to lift the stay on my home. Which has been granted in XX/XX/XXXX. I was told I had until XX/XX/XXXX to come up with XXXX. Then forclosure will start by XXXX XXXX at Standard Mortgage Corporation. XXXX XXXX who works in the bankruptcy department asked the reason why my payments were n't made be put in writing and she would consider accepting the plan agreement from attorney. After she got the reasons she said my financial situation Was n't going to get better and denied the plan agreement and went forth with lifting the stay. I feel my case has been handled inappropriately and I 'm being discriminated against at this company. This is not the first time I have been discriminated against here. I have been with this company for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX 2017, I initiated complaints regarding identity thefts against my person, very possibly committed by maternal family members all of which I named in FTC report # XXXX. Furthermore my Experian, XXXX, and XXXX credit reports show inaccurate names, D.O.B and addresses of which I have attempted to get corrected. These addresses in particular read, " XXXX '' which is inaccurate. Furthermore there are ambulatory bills on my credit reports that are inaccurate. 

I have included my Experian consumer info. The XXXX and XXXX reports show identical inaccuracies. 

I have also included a XXXX report which shows similar inaccuracies.

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 2017-11-13 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: PA

Complaint narrative:
My account is with XXXX XXXX. I mailed a payment by priority mail on XX/XX/XXXX. XXXX processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to XXXX XXXX falsely reporting negative information.

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 2017-11-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
BETWEEN XXXX XXXX OJ XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX WAS HACKED AFTER APPYING FOR A HOME MORTGAGE. ALSO GOT CAALS AND E-MAIL FROM FRAUDULENT SCAMM 'S ( SEE ATTACHED. 

THIS ALL HAPPENED WITH XXXX CREDIT PROFILE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # TransUnion XXXX, XXXX XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX XXXX XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; 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 2017-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # XXXX XXXX, XXXX XXXX and Experian XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; 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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
This complaint is against SLS - Specialized Loan Servicing -  trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group XXXX - Loan ID XXXX. 

Then an internal XXXX XXXX XXXX statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX XXXX. Loan ID XXXX. 

Then magic happens and SLS assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint is against XXXX - XXXX XXXX XXXX - trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group I - Loan ID XXXX. 

Then an internal Bank of America statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX System. Loan ID XXXX. 

Then magic happens and XXXX assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.

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 2017-11-13 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: IL

Complaint narrative:
XXXX is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. XXXX continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with XXXX.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay you. XXXX is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, Trans Union ), this  action might constitute fraud under both federal and state laws.

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 2017-11-13 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.

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 2017-11-13 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: GA

Complaint narrative:
This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER

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