vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: FL

Complaint narrative:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

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 2020-10-09 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: PA

Complaint narrative:
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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I placed a call to Freedom Mortgage 2 weeks ago in regards to my escrow analysis. Freedom has incorrect tax line amounts ( XXXX County ) they are projecting for XXXX which caused my payment to increase {$400.00} per month. I provided them a copy of my tax bill as requested showing my XXXX taxes were XXXX per installment not XXXX per installment. They confirmed they would update the tax lines and process an updated escrow analysis effective XX/XX/XXXX in 7 days. Well, today was day 14 and I called them only to find out nothing was fixed or even submitted. The rep told me she would submit the request and it would take another 7 days to have it fix! And then they would request another analysis to adjust the payment. Freedom is collecting extra money that is not needed if they just simply update the tax lines with the correct information. I expect them to update the lines and fix my payment amount due XX/XX/XXXX. Worse customer service I have ever received.

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 2020-10-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX | XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2020-10-09 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: Allgate Financial, LLC
State: TX

Complaint narrative:
I was able to check my credit report today and see that this company JH Portfolio is reporting information inaccurately on my report. As you can see with the attachment below this company has purchased A debt from world finance. Showing the last activity date on the account to be  in XXXX. This was A fraud account that I did not authorize and when I spoke with world finance in regards to this they informed the last activity date for the account was XX/XX/XXXX which means the account should not be showing on my credit report after the 7 years. I reached out to this company by mail and have not heard anything back. When I spoke with world finance today ( XX/XX/XXXX ) I was informed to contact A corporate number which I did and left A message but no actual person to speak to. I would like the misinformation completely removed from my credit report as it is illegal to report inaccurate information. If needed I can provide A copy of my credit showing the dates that this company has been actively reporting. I also asked that this company provide me with debt validation. This should show my signature and DL agreeing to such debt and also the date of the transaction will reflect that it was not the reporting dates that this company is reporting. After seven years in Texas it is illegal to report such accounts and it is illegal to report inaccurate information. World finance informed me that the company may be reporting the day that they bought the account. Which is also illegal because they aren't reporting accurate information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Credit Managements actions. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : Account Name : CREDIT MANAGEMENT, INC Account Number : XXXX Original Creditor : XXXX XXXX. 
Opened Date : XX/XX/2019. 
High Balance : {$72.00} My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: NY

Complaint narrative:
I requested a balance transfer from my US Bank credit card to XXXX on XX/XX/20. It still has not been processed, and I am incurring fees/penalties & interest as a result. I called US Bank today to inquire how these are processed how long it takes. They said about 2 weeks because they sent a check via USPS instead of transferring funds electronically. I asked if  they do bal xfers via XXXX to XXXX, a Manager named XXXX confirmed US BANK does EFT xfers of thousands & thousands of $ everyday. When I expressed it was odd that my balance xfer was mysteriously declined despite US Bank having the proper channels to process electronic payments, she sarcastically replied " I don't have a way of knowing if it's odd or not '', instead of taking a professional approach.

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 2020-10-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently disputed the bankruptcy account with the Experian, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I sent over proof that the Bankruptcy is a error and has been deleted from XXXX the third party vendor but Experian still reports wrongful information to my credit report.

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 2020-10-09 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: FL

Complaint narrative:
The accounts listed are not related to any transactions done by me. My personal information was breached, and I was a victim of 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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been disputing billing charges from Chase Cardmember Services ( an online credit card used by Amazon ) since XXXX of 2019. I had an Amazon gift card balance of {$290.00} in XXXX of 2019 and used it to purchase a variety of items. In XXXX or XXXX of 2019, Amazon had a promotional offer which was to get a {$70.00} gift card to switch from their card to a Chase Card. I took the offer. Perhaps the offer was not valid and Chase billed me for the items I purchased with that card. 
I started receiving bills from Chase in XXXX. Immediately, I wrote to them and informed them that the items were paid for with an Amazon gift card. They conducted some type of investigation, and informed me that the investigation proved that the charges were valid. I continued to dispute them and Chase claimed that they would continue their investigation. One by one, billing charges were  dropped. They informed me that they had made mistakes. I assumed that all their charges were mistakes, and that the matter was resolved. Unfortunately, that is not the case. Early this month I received a notice from them that they had done an investigation and found that I owed them {$14.00}. I wrote them a letter explaining that the bill had been paid and a cancelled check was sent as evidence. I also received another bill for {$75.00} with no explanation as to why the money was owed. 

I have no idea how to get this matter resolved.I have written ten letters to Chase Cardmember Services. My feeling is that their customer service department is incompetent. Chase has harassed me for over a year for {$120.00}. I do not owe them any money and would like them to stop sending me bills and information about their so called investigations. 


Any help you can provide would be appreciated. 


Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: PA

Complaint narrative:
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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I'm not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts REVENUE GROUP # XXXX ; XXXX. Please provide the following : Method of verification Validation of Debt Assignment of Debt These account should not be place in dispute until any type of investigation needs to happen. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit. If you believe you provide communication please attach CERIFIED MAIL showing that mail was delivered and sign for. Can not just place deb on someone credit report.

Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a {$1000.00}. CD account in 2002 at Bank of America XXXX California. I called customer service to check on my account and they cant find it. They said that maybe they sent a letter due to inactivity and considered the account abandon and transferred the money to the state. The guy XXXX gave me a website called ucpi.sco.ca.gov to check for my unclaimed property. I did check and my Bank of America CD account money didn't show up. I would like to file a complaint against Bank of America for losing my account. I trusted them and thought that this account would help me build interest.

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 2020-10-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO XXXX XXXX  FOR MY AUTO LOAN {$24000.00} & XXXX XXXX THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & XXXX STATED TO ME OVER THE PHONE THAT XXXX RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID XXXX RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY XXXX XXXX/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST XXXX XXXX FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # 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 2020-10-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted equifax on incorrect reporting with my credit report, as to my prevail I followed the steps and chains for having the hard inquiries on my credit report removed. I have only two that I ran my credit with. The  companies that had my permission to run my credit is XXXX XXXX and XXXX XXXX XXXX. I have reached out on numerous occasions and no help. This is hurting my credit bad and Equifax fails to properly investigate these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CA

Complaint narrative:
I have submitted an FTC ID THEFT and Police report to EQUIFAX multiple times and they are will not remove the fraudulent account. The XXXX XXXX account is a fraudulent account that I never had and they are fraudulent company submitting falsified documents under my name. Equifax is continuing to report fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation