vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-31 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have called on several occasions to notify CMRE that they are reporting erroneously due to the fact that I have been on XXXX XXXX  for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance  company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as XXXX dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru XXXX back in XX/XX/2019. CMRE is the collection agency violating my rights under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: PA

Complaint narrative:
Hello. I settled an account with the company XXXX, paid through the debt collector XXXX XXXX. I've been supplied a written letter stating that the debt was settled. The credit bureau Experian won't remove the debt even though I've provided the letter from 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 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you

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 2020-08-31 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.

Complaint narrative:
All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
On XX/XX/2020 I contacted Experian to dispute incorrect personal information. Particularly, a comment in the Notices section that says " the date of issue of your SSN can not be verified ''. At the beginning, Experian specialist did not want to dispute this item. But, I insisted. She agreed to dispute this item for me and told me we will get back to you with updates. 
Today on XX/XX/2020, I called Experian to ask about the result of my dispute and Experian specialist told me that they can not make any change to the comment in the Notices section. She explained that most US individuals have a similar comment placed in their report. 
I do not agree with the result of my dispute with Experian and I hereby complain against Experian because they are deceiving customers like myself and creditors by giving misleading personal information. I have my Social Security records up-to-date and Experian can definitely verify the date of issue of my SSN with the Social Security Administration that issued the number.

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: TN

Complaint narrative:
A collection agency called my wife multiple times asking for me. She thought they were spam calls and ignored. I finally pulled my credit reports on XXXX, XXXX, and XXXX on XX/XX/XXXX and saw collection alerts for the amount of {$2800.00} on XXXX and XXXX. No such alert on XXXX. The collection company was listed as XXXX XXXX XXXX on the XXXX report and Perfection Collection LLC on the XXXX  report. I telephoned the company on XX/XX/XXXX and spoke with an agent named XXXX. I was told the debt amount was for a XXXX XXXX XXXX XXXX  installed at an address in XXXX IL. I live in XXXX TN and have never lived in or been to XXXX IL. I was told the account was jointly owned with a woman named XXXX XXXX, who I do not know. I asked the agent to email me the contract. I never received it. I disputed the claim on XXXX on XX/XX/XXXX and on XXXX on XX/XX/XXXX. I received investigation results from both companies that the disputed information was verified as accurate. I have never purchased anything from XXXX and did not order this home security system. I have never received anything in the mail from them or the debt collection agency. I have contacted a lawyer and will pursue legal measures if I can't resolve this dispute through other means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
i have no idea what this claim is all about, or even if this a legitimate collection agency. i suspect it was either mailed to the wrong person with the same common name, or it is a fraudulent claim. i'm a little leery of calling the number, as i don't want any fraudulent company to capture my phone number. please advise. 

details : amsher collection sevices, inc XXXX XXXX XXXX, XXXX XXXX XXXX, al XXXX XXXX nc permit # : XXXX date of notice : XX/XX/20 received notice via usps today XX/XX/20 orginal creditor : XXXX XXXX XXXX ( never heard of them ). 
current creditor : same as above creditor 's acct # : XXXX amsher acct # : XXXX total due : {$38.00} savings : {$9.00} signed : XXXX XXXX, director of operations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Calls excessively during the day, no one answers the phone when I pick up, the phone number harassing me is 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 2020-08-31 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: OH

Complaint narrative:
XXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 


XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 


XXXX # XXXX I was never late, please provide Method of Verification of late payments.

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough for you. 

The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collection notices from various different collectors saying I owe XXXX money. For years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX  and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. 

Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I have called on several occasions to notify XXXX that they are reporting erroneously due to the fact that I have been on XXXX XXXX for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as experian dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru experian back in XX/XX/2019. XXXX is the collection agency violating my rights under federal 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 non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
Been trying to resolve the issues with wakefield & associates and i explained to them that I didn't reside in XXXX, TN where the original collection was from, i even fax the a copy of my driver 's license and my insurance card to prove to them I didn't reside in XXXX or the state of TN. 

This is their fax number that was given to me by their agents : XXXX XXXX XXXX XXXX. 

They verified they did receive the copy of my ID and my insurance card and Instead of working with me to resolve the issues, they still insist that I owed them the money even though is obvious that my ID showed different state and address, they even threaten me by assuring me that they are going to destroy my information and they did follow through with the threats of destroying my credit history and now my credit reports show that i owed them money. 

Please assist me on this issues and punish them as the fair debt collection practices states they shouldn't threaten the individual and instead this company not only threaten me that they are going to destroy my credit, they follow through with their threats and now, my credit reports was destroyed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
ChexSystems is inaccurately reporting an account that I was never attached to on my consumer report. 

XXXX XXXX XXXX. states that an account was closed for overdrafts. i was never on the account because I was denied an account with the bank. As of XX/XX/XXXX is the date in which is was reported. {$1000.00} - the address that it is reporting does not belong to me. 

XXXX XXXX  XXXX XXXX has an account on my report still showing that it is unpaid when i paid it off years ago. XX/XX/XXXX unpaid status

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 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details. 
XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review. 
XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link. 
XX/XX/XXXX they restated the same message but asked me to provide more details. 
I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company called twice today at XXXX and XXXX. I know this is against fdcpa rules. I have not spoken to them. I have not given permission for them to call my cell phone. They need to contact me by mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Bank of America has been accepting payments over the phone for the last 10 years. There is a bankruptcy involved as well. Now they are refusing to take payments over the phone and will NOT answer their phone ( s ) so that I may inquire more information as to how to pay my monthly mortgage payments. Bank of America is aware that there is a bankruptcy involved and are using their PREDATORY LENDING PRACTICES again in order to take our home away. They do this on a regular basis especially when the equity gets higher, etc. Please help us not loose our home. My daughter ( XXXX XXXX XXXX ) was a  XXXX Veteran and purchased the home with a VA Loan before she passed away. Thank you.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
None of the three credit bureaus have my comenity XXXX  XXXX XXXX reported. It is unclear if the credit card company reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX is reporting a medical bill in collections that was supposed to be paid by my insurance carrier. Additionally, I never signed an agreement with XXXX XXXX XXXX to guarantee payment as I was on XXXX at the time. 

I was not able to contact the company directly because they don't have any contact information on the 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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
None of the three credit bureaus have my XXXX XXXX XXXX XXXX reported. It is unclear if the credit card company reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
None of the three credit bureaus have my XXXX XXXX XXXX visa reported. It is unclear if the credit card company reported.

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 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Sent secure message to TD bank on XX/XX/2020 relating to account opening bonus. Received a response 2 months later on XX/XX/2020 that was system generated. Message stated that due to high volume of requests, the bank can't respond. Promptly called customer service on XX/XX/2020 and was unable to reach a representative ; call was dropped. I called back later on the same day and was hung up on. Attempted to call multiple times over the next month to no avail. Sent another secure message on XX/XX/2020 requesting to close the account due to lack of response regarding any inquiries. The account contained a positive balance at the time. A response was given on XX/XX/2020 by representative named " XXXX '' stating that there is a negative balance because a maintenance fee was charged on XX/XX/2020 due to lack of response. Any attempts to call the bank didn't receive a response. 

The same opening bonus offer is available via link : https : //www.td.com/us/en/personal-banking/checking-accounts/featured/? cm_sp=b000-00-5177-TNT # : ~ : text= % 24300 % 20bonus % 20offer % 20available % 20to,60 % 20days % 20of % 20account % 20opening. All requirements have been followed according to disclosures. Proof will be provided via account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

PHOENIX FINANCIAL SERV # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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