vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : 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 2020-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T XXXX XXXX is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, BB & T XXXX XXXX made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with BB & T XXXX XXXX as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
Equifax continues to report negative fraudulent information on my credit report. The other credit bureaus have already removed these fraudulent accounts. Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
JP Morgan Chase, back on my accounts how the messed things On XX/XX/XXXX they got payment XXXX, i called them on XXXX XXXX  for post payment it was post payment not payment they was difference He ran it while i was on phone without question what happen it put 3 months behind, We received your XX/XX/XXXX payment on XX/XX/XXXX ; however, we did not receive your XX/XX/XXXX payment until XX/XX/XXXX. We confirmed the payment made on XX/XX/XXXX, which was intended for the XX/XX/XXXX payment, was returned to us on XX/XX/XXXX, as unauthorized, by the banking institution you used. As a result, we reversed one payment from your mortgage loan, which brought your loan due for three payments, this would be their response, I talked to my case worker and to corportate office her name was XXXX i no she still works their i ask my case worker did you cancel this she yes we did, same thing at corporate office they both lied they took my whole loan and twisted, they lied about not receiving payments, how can you miss 3 payment XXXX, XXXX XXXX, i sent proof in secure message about 20 times, in mail sever times, even sent XXXX  XXXX to corporate office to XXXX twice no they got it. but it not on my account these or something wrong no Bank allows this many mistakes on person mortgage account. my case manger was liar and it shame they lied to me at corporate office. i filled one but i have enough of the lies and them sending XXXX. this was over one payment i paid for it, i went to XXXX and back and still going lost everything because of Fraud i no i get letter of payments, i did this and that sick of it, look at the employees look how they handle accounts, like XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Fifth Third Bank made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was deployed overseas and did not authorize anyone to make inquiries on my credit. I was unable to find the information needed to formally send a letter to Fifth Third Bank to dispute these inquiries. However, the inquiry made by Fifth Third Bank, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have received repeated calls from a debts collector named Midland Credit. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery Co as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have received repeated calls from a debts collector named XXXX XXXX. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.

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 2020-05-19 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: GA

Complaint narrative:
I would like to file a complaint against the following consumer reporting agencies. Experian and XXXX I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to Experian and XXXX on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However Experian or XXXX has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to re age the accounts showing missed payments and a past due balance after being charged off.

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 2020-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have made several attempts with proof to show that my Mortgage payments for XX/XX/2019, XX/XX/2019 and XX/XX/2019 were made on time for my Bank of America Mortgage, account last four numbers ending with 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 2020-05-19 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen. I contacted capital one to inform them to freeze all transactions on the account. They allowed transactions to be posted after the account was frozen. They do not send me physical statements in the mail. They disabled my online account access which prevents me from seeing my statements. They also charged me interest on accounts and dinged my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: AZ

Complaint narrative:
I would like the inaccurate accounts on my credit report to be investigated as they do not appear to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I purchased a variable annuity through my bank, Citizens Bank, from an insurance company called XXXX XXXX. This was in a rollover IRA account and the amount was {$100000.00}, the date of the investment was XX/XX/2020. My application stated that the annuity would track the XXXX XXXX XXXX XXXX index for 6 years, with a 20 % buffer and an 85 % performance cap rate. 

When I received my contract, mailed on XX/XX/2020, it showed the cap rate to be lower, at 75 %. I called the bank immediately and they said they would look into it. 

I received a call 2 weeks later saying that the rate had changed since I applied, and the bank representative admitted that it was his error that I was not informed of the rate change. He was apologetic but said it was too late to change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I submitted that information to my lenders Navient and the adept of Education. My loans were not delinquent before XXXX. Dept of Education decided to payoff to of the delinquent loans from XXXX yet there are still being report delinquent. I have several delinquencies reporting from both Navient and Dept of Ed even after sending them proof of my XXXX and agreeing to rehab the loan. I know that it is no one fault for my XXXX except my own. Yet these reports cause my scores to drop 100 points. I dont want a statement to be put on my credit report stating I was XXXX for that will only cause more harm. I have a problem that government agencies should as Lenders are allowed to report information when I believe they knew I was incarcerated and never reached out to me to try and defer my account until I was released from custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: AZ

Complaint narrative:
The accounts on my credit file do not appear to be accurate

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
While working on trying to secure a loan for a business and finalizing partnership agreement, XXXX XXXX, a prospective partner used my financial information to open a business credit card account with Chase and put my name as a guarantor without my permission. 
The card was issued to the business address of the partner and all correspondence being sent to that address without my knowledge. 
I do not understand how the business was issued a credit card based on my information considering that there was not and still is not any document showing any relationship with the company. 
After a while I did receive a call from XXXX XXXX attempting to collect the debt from the credit, that apparently was not being paid by the partner. 
I discussed with a person by the name of XXXX XXXX and explained that the card was issued to a business and that I had not spent a penny on that card. 
At the time she explained to me that they had no other choice than report this to credit agency and the best I could do was provide a payment and try to arrange the situation with the partner since I was the guarantor on the account. 
I made the mistake of giving her my account number from XXXX  XXXX for a payment of I believe {$350.00} to cover the arrears while trying to resolve the situation. 
Since then, almost three years ago, XXXX has taken the liberty to take money out of my bank account and nothing being done to the individual who opened the account and who has been receiving all correspondence related to the account at his business address. 
I am reporting this to the Consumer Financial Protection Bureau to get reparation from Chase for issuing credit card to a company without verifying ownership and credit worthiness information.

Company response to consumer: Closed with explanation