vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: Trident Asset Management, L.L.C.
State: OR

Complaint narrative:
I originally disputed this alleged debt with Trident Asset Management ( debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by Trident Asset Management. 

( Trident letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon XXXX, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, XXXX  has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from Trident Asset Management on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as Trident Asset Management has stated in the letter and XXXX  has continued to report. 

See attached Oregon Gambling Laws. 
ORS 167.109 - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in 2006. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from Trident Asset Management? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to XXXX, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$9100.00} -This is not my account.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.

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 2020-11-10 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: NV

Complaint narrative:
On or around XX/XX/XXXX : I sent a dispute letter to Experian for reporting an " unknown '' account that is reporting negatively on my credit report. 
Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 2nd dispute letter to Experian requesting deletion of the negative " unknown '' account and requesting documentation proving ownership of the said negative account. Experian responded that the account has been updated and verified without any investigation or proof thereof. 

On or around XX/XX/XXXX : I sent a 3rd dispute letter to Experian again requesting deletion for failing to accurately report the " unknown '' account. Experian was notified that they were reporting different years and dates under the Date Of Last Activity and to delete for inaccuracy and re-aging violation. Experian responded that the account has been updated and verified without any correction of violation. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian again requesting deletion for " unknown '' account for failing to report a " disputed '' account in the comments and remark section of my credit report. Experian responded that the account has been updated and verified without adding remarks and without any investigation or proof thereof. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian again requesting for deletion of " unknown '' and " unverified '' account. I requested the Method Of Verification showing me actual documentation bearing my signature when this " unknown '' account was opened as required in section 609 of the FCRA. 
Experian responded that the account has been updated and verified without any investigation or proof thereof.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX XXXX XXXX have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX XXXX XXXX by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Agency is trying to collect on three accounts from the same creditor that I have no knowledge of. I have sent two requests via Certified Mail Return Receipt Requested requesting that the debt be validated. The letters were received and signed for. To date, I have not received a response from the company nor have I received any application, contract, or any other document bearing my signature. Since the creditor can not provide any proof that these are my accounts I believe the accounts are fraudulent. 

The 3 accounts are as follows. 
XXXX XXXX {$580.00} XXXX XXXX {$71.00} XXXX XXXX {$250.00} I have never been insured with XXXX XXXX I have been insured with XXXX XXXX for the last 10 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My husband and I have owned our home for 18yrs. We have had some financial hardships along the way, but have worked hard to keep our home. 

Our loan and debt was sold from XXXX XXXX to Our current lender, Specialize Loan Servicing in XXXX. At the time our loan was sold, we were in a Chapter XXXXBK. We paid our planned payments to the Trustee which she paid the mortgage arrears and we paid our current monthly mortgage payments directly to our lender. 

Our bankruptcy was completed this past XX/XX/XXXX. The planned payments and mortgage arrears were paid in full. Once the bankruptcy was completed, our mortgage company sent us a statement saying when our mortgage was sold to them 2 yrs ago, we were 4 months behind totaling {$9.00}, XXXX. We were not 4 months behind when our loan was sold. For the past 2 yrs that we have been with Specialized Loan Servicing, they have never mentioned we were 4 months behind and it was never reflected on our monthly mortgage statements. 

This year, XXXX we did have a financial hardship due to Covid and other medical issues and fell behind on a few payments. We reached out to our mortgage company this past XX/XX/XXXX, to request a loan modification, repayment plan ect. We received a letter today XX/XX/XXXX stating our request was denied with no explanation as to why. The mortgage company kept stating, we had a Loan Modification 11yrs ago in XXXX and because of that they can not help us. They are requiring {$14000.00} to reinstate our loan and stating the total amount due is {$20000.00}. 

We can afford our home and we want to keep our home. Can you please assist us in getting a loan modification. 

Thank you for your time and help. 
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 2020-11-09 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
BARCLAY HAD XXXX XXXX XXXX REPRESENT THEM AND FILED A JUDGEMENT IN XXXX GENERAL DISTRICT COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I PAID {$2400.00} ON XXXX. WE CONTACTED XXXX XXXX XXXX AND PAID IT IN FULL AND THEY PRMISED BARCLAY CREDIT CARD WOULD REMOVE THE COLLECTION AND ALSO NOTIFY THE COURT THIS HAS BEEN PAID IN FULL. THEY HAVE DONE NEITHER AND STATED THEY WILL NOT REMOVE IT OR MARK AS SATISFIED IN THE COURTS BECAUSE IT WOULD RUIN THEIR REPUTATION. I HAVE SPOKEN TO THEM THREE TIMES.

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 2020-11-09 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: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
There was a stop payment placed on a joint checking account with my wife and I. She paid off a credit card from XXXX XXXX. They continued to draft auto payments. She was told by XXXX XXXX  to place a stop payment for the amount and date ; the payments would be stopped. My wife called Arvest Bank on XXXX and spoke to the banker there. She was informed that ONLY that amount and her account would be impacted by the stop payment. 3 months later, we received a letter from XXXX saying there was a stop payment for all debits on XXXX and that my personal credit card account was 3 months behind on payments. I called XXXX and immediately made the full payment. My wife and I reached out to Arvest to discuss the error. After speaking with the manager, she explained she would review the recorded conversation. I was excited, because I knew it would be in my favor. After further investigation, the call was not recorded. I was asked to wait for my credit score to come back up and they were sorry about the inconvenience. Because, they did not hear the conversation the manager said they would not be able to do late payments dispute. I then asked her to provide my signature or my wife 's signature for the stop payment, with the disclosure and she was not able to. I explained that my wife and I were given incorrect information from their banker and she apologized and that was it. I also expressed that the XXXX credit card account was my individual account and my wife did not have authority to stop payments on my personal account.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I requested a forbearance on the mortgage in XX/XX/2020 for six months due to COVID19 and I was approved by Mr. Cooper ( loan # XXXX, property address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ) and the forbearance expired on XX/XX/2020. I called Mr. Cooper at phone # XXXX this afternoon and spoke with XXXX. She said that the pandemic forbearance ended and it shows I have a past due amount of {$27000.00} that must be paid either ALL at once, or a payment plan whereas I must pay one lump sum of {$19000.00} ( which represents five months of mortgage payment ) by XXXX and the remaining {$8000.00} can be paid in installment ( s ). I told her that I can not pay {$20000.00} in one lump payment this month and asked her if the {$27000.00} can be added to the existing loan and I am willing to pay the slightly increased monthly mortgage. She said that Mr. Cooper is not willing to do this for my loan and that the only other alternative is to do a loan modification. I told her that I don't want to modify my loan ( I have 2 % interest rate ) and don't want to mess it up. She said that I have no other options. Mr. Cooper is not willing to work with me. I can make a payment arrangement to pay the past due amount in 6-7 installments and I feel that this is more than fair. Everyone was affected by COVID19 and the mortgage co. should work with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
this is XXXX  debt I not owe I have account with XXXX over 15 years and my account is current

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 2020-11-09 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/2020 I was approved instantly for a Sams Credit Card. I just received a letter stating because of my credit I did not receive a low interest rate. I called Synchrony Bank on XXXX when I received the letter and said something is wrong because my credit score is almost in the 800s and do not have late payments. There must be a mix up. I told him I was looking at my XXXX and XXXX  report as we speak and he said they use their own credit rating. I explained its still way off and thats not right. He kept laughing and saying goodbye. Every time I tried to speak he spoke over me and would laugh. Then he said we get complaints from everyone saying they dont like our system and hung up on 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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
Continue to receive robocalls and automated calls stating I owe a debt and its not true or mine, when I had my attorney call ( previously had an issue with Bankruptcy ) they refused to give any information and said someone would be contacting him back, as of this writing no one has called back, my attorney followed up and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have submitted a dispute with XXXX  on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both XXXX and Wakefield and associates have clearly violated the fair credit reporting act. XXXX by not performing a real investigation into this account and Wakefield and associates by reporting false and inaccurate information.

Company response to consumer: Closed with explanation