vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC
State: MS

Complaint narrative:
Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: TX

Complaint narrative:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.

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 2019-02-10 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
My credit report contains an mortgage account from Ocwen / XXXX XXXX which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.

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 2019-02-10 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: TX

Complaint narrative:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: TX

Complaint narrative:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to XXXX and Transunion in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or e-Oscar verification is unacceptable.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
XXXX XXXX called me with misleading information advising if I paid them {$100.00} a month for 4 months they would remove all collection debt from my credit report. They asked me for more than one credit card with the 3 digits on the back of my card. I know this is against the law. Then they gave me a fake credit score and credit rating. XXXX extension XXXX out of XXXX, UT location stated his corparte location is XXXX XXXX XXXX, UT advised me I had to pay him for up to 4 months to have things removed off my credit that has already been paid and unpaid. I ask to have the vaidility of his comnpany sent to me in writing or by email. He had my business email address which I have never given him or used on any of my personal accounts. When I rewquested to have it removed he still sent an email to mu business account and not my personal account. Then when I called the comapny back they stated there is no employee there by that name or extension I am requesting to have this looked into I think I am a victim of fraud and idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
We paid {$34000.00} as a principal payment to our mortgage which was owned by the company Loancare. This money applied to the loan and then treated as a Misapplication Reversal later, on the day of monthly payment. The mortgage was transferred to different company following the principle payment reversal, but we haven't received $ XXXX back from Loan care. We contacted Loan care twice before XX/XX/2019. We didn't receive any answer from Loan care. our mortgage was sold for the full principle amount even though we had applied the XXXX $ to it. 

Our main concern is below. 
1. We need our money $ XXXX back from Loan care now. 
2. We believe XXXX removed the $ XXXX as Misapplication to sell our loan for a full principle amount even though we had applied money to reduce the principle.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to Equifax and XXXX in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or XXXX verification is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.

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 monetary relief
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Everytime I get ready to use the card it works then after one purchase it doesn't and I have called numerous times to get it fixed and was assured I would not have a problem but now it doesn't work cause my number is not on a fraud alert but it has been working in the past my number is on my fraud alert but they say it's not I even removed the fraud alert but they still won't unblock my card.

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 2019-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented an apartment at XXXX XXXX in XXXX XXXX XXXX, Texas. I was evicted over a year ago and just found out that I was put into collections by NATIONAL CREDIT SYSTEMS. I was never notified and my phone number and email has never changed. I was never notified of charges, and never contacted by the NATIONAL CREDIT SYSTEMS or XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, This complaint is in regards to Experian and their business model of luring people in with a " free trial '' then charging them $ XXXX per month without the customer knowing it. I did not know I was being charged for over a year and lost upwards of {$240.00} without getting any value from the service. 

I am definitely not the only person that this has happened to - in fact there are probably thousands of people who have fallen victim to their business model of tricking people into subscriptions that offer no benefit to the " customer ''. 

Here is a small sample of people who have been defrauded of money by Experian then been denied a refund : https :XXXX I am sure Experian 's business is propped up by their predatory practice of charging people who do not know they have agreed to a subscription that offers them absolutely no benefit. 

The Consumer Financial Protection Bureau exists to " protect consumers from unfair, deceptive, or abusive practices '' and I can hardly think of a better example than Experian as a company who relies on deceptive practices to keep their business running.

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 monetary relief
Consumer complaint received 2019-02-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I went out of the country in XX/XX/2018 and told my ex business partner to make the payment on my chase card. He didnt do it despite having sufficient funds that I provided him to do so. I paid the card as soon as I found out which was before the 30 day deadline. It still ended up showing on my report. I called chase and told them this was incorrect and that they would remove this 4 months ago which they still havent yet. In addition to this, chase has been reporting every payment that I made since this date late even though I have not had ANY late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I noticed a charge for {$19.00} on my bank statement that I did not make, from " TU *TRANSUNION XXXX CAUS '' dated XX/XX/XXXX. 

I investigated and found that this {$19.00} charge had appeared every month since XX/XX/XXXX. There was also a charge for {$1.00} on XX/XX/XXXX. 

I called the XXXX number to report this and was told that I had signed up for their credit monitoring service. I explained that I had not signed up for it, did not want it, and had never once used it. I requested a full refund. They said they could only refund 12 months of charges. I asked to speak to a supervisor and was told that I would receive a call back the next day. 

A different representative called back and offered a refund for only 4 months of service. I told her that the previous representative had offered 12 months, and that I would like a full refund for a service that I had never used or ever wanted to subscribe to. She offered to cancel the subscription to avoid future charges, to which I agreed. I asked to speak to another supervisor about the full refund and was told I would receive a call back. 

A few days later, I received a call from a third representative and explained the situation again, and was told again that they would only refund 12 months of charges. I told her that if I did not receive a full refund, that I would file a formal complaint with the CFPB. Until now, I have not received any compensation from TransUnion.

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 monetary relief
Consumer complaint received 2019-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tennessee Quick Cash, Inc.
State: TN

Complaint narrative:
started payday loan in XX/XX/2017 with tenn quick cash for XXXX credit limit paid on loan for over a year lost some income unable to pay XXXX every paycheck every time i paid it only put XXXX dollars toward payoff of loan now taking me to court saying interest etc evolved into a XXXX dollar settlement can not afford bankruptcy. i have a disbled son that i am solely responsible for. i have to pay food, homecare and medical for him i am uneligible for any assistance for him because of my income limit. if i am garnished we will be homeless, i tried to explain my hardship to these people and they refused lower payment. i have paid them over a XXXX dollars already for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX  credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX   in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Most of the questions asked were not about my problem! 
My credit numbers dropped significantly because of this problem. 
First off I have two business accounts at WELLS FARGO. 
I applied for a credit card from WELLS FARGO approximately XX/XX/2019. I received a negative response from WELLS FARGO ( approx. XX/XX/XXXX ) stating that I was turned down because ... ... I WAS DECEASED???? How ignorant when I have two accounts with them. 
Please help as it has effected my credit very much

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I have repeatedly asked for my XXXX, XXXX and XXXX   accounts to be updated to paid as agreed with my mortgage office Seterus , INC . I have made on time payments and asked for goodwill removal of late payments from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I am trying to get a business loan to grow my company and the late payments are hurting my ability to apply for more credit.

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