vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$4700.00}, XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XXXX, XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}, XX/XX/XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Transunion ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX 1. XXXX XXXX - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX Ally Financial - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX/XXXX - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX XXXX ( Transunion And XXXX ) - Bal : {$1600.00}

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK
State: PA

Complaint narrative:
Hello, I am an online checking account customer with E*TRADE ( now owned by XXXX XXXX ) . Unfortunately, it is essentially impossible to contact E*TRADE to manage account requests, such as getting new paper checks. I have been trying to get paper checks from E*TRADE since XX/XX/2021 and have been unsuccessful. E*TRADE has no physical locations, so it is only possible to contact the company ( i ) by electronic message or - if I need immediate assistance -- ( ii ) by telephone. ( E*TRADE purports to have a " chat function '' but it has not worked for months. ) Unfortunately for those who need immediate assistance, there is essentially no way to contract E*TRADE because telephone wait times can be 90 minutes. I have a baby son and am unable to wait on hold that long to obtain service. 

This is a relatively new problem with E*TRADE - customer service was ok until recently - I suspect this has something to do with the XXXX XXXX acquistion . 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had a dispute with American Express regarding a card issued to someone without my authorization. The other cardholder according to Amex had authority do so which I agree. However, Amex will not say if that person misrepresented my credentials including my social security number to obtain the card. Amex cancelled the card and I removed the person from the account. The card was also sent to an address that's not listed on the account and Amex would not divulge that information. If someone stole my identity and were to request card to another address won't I have the authority to know and being notified. Amex wouldn't answer that question. 

Few week later, Amex cancelled all my cards ( one personal, and two of my business cards ) citing member policy violation. I was not notified of the actions. The letter stated that I am responsible for any charges as per cardholder agreement. 

My personal card was subscribing to ebill through my bank and payment is made automatically two days before due date on the statement balance. The other two business cards have auto draft setup to be paid two days before due date with Amex. 

I have been paying Amex this way for a number of years ( personal card for 17 years ) and business cards for about 5 and 1 year respectively. I have never been late on any charges and never had any late fees or unpaid balances. 

Upon closing my account, my past month drafts went as usual through normal means and I was hoping that the final statement of the closed accounts would follow suit this month. However, Amex without giving any advanced notice either to pay the amounts on closed accounts immediately or make alternative payment methods as it won't send any ebill or draft money from my business accounts, all my three cards were sent to collection and I received email that my cards are overdue. 

This is absolutely not true. One card was scheduled to be drafted on XX/XX/XXXX by Amex was also sent for collection. I am unable to reach Amex and question their motives and why I was not notified in advance about paying the bills directly or that they won't draft it automatically. 

I can only see a sinister motive to ruin my credit and take making a corporate statement. 

My calls to AMex are sent to a voicemail once my card number is given and no would return or take my call. 

I have the proof of my auto draft and all my payment records. Online Amex shows that my account is still fine that there's no past overdues but still it was sent to a collection agency. 

I have paid all of the outstanding amounts immediately. What Amex did was totally irreprehensible and they should be held accountable for any impact on my credit due to their irresponsible actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect. I owe NO amount to sunrise 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
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$4700.00}, XXXX XXXX XXXX, XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XX/XX/XXXX {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.

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 2021-11-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
My reverse mortgage has been sold, as a result I am unable to draw funds from it since I have no information of how to do so. I have received statements from Novad informing of the sale but have been unable to obtain information other than that it was sold to XXXX whoever they are. Novd has a recorded message on third system stating that the note was sold on XX/XX/XXXX. I have not heard from them resulting in a financial hardship as I depend on this money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: TX

Complaint narrative:
XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3300.00} I have no knowledge of this my identity was stolen and I've tried to call these people they hang up the phone very rude. XXXX XXXX {$2400.00} XX/XX/XXXX I have know idea also around the same time preferred lease {$1900.00} I've tried calling I get nowhere please please help me thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter in the mail from Synchrony Home Credit Card stating that a card was opened in my name on XX/XX/21. It was sent to my parents home address where my XXXX credit card is billed to, which is why I am just now seeing it. I have not opened a card with this company and am worried that someone used my name to open a 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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
I have sent letters to XXXX, XXXX and Equifax stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my 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 non-monetary relief
Consumer complaint received 2021-11-05 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: MD

Complaint narrative:
FRAUDULENTLY OPENED ACCOUNT REPORTING ON MY CREDIT FILE. 
I DID NOT OPEN SAID ACCOUNTS

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 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I don't know who you're but I know you're collection agency NCA. I know once you purchase a debt from the original creditor that the debt is PAID OFF. Can you please send me a signed contract with my signature that we have together I would love that and my attorney would also.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I have written you several times and still nothing. I wrote you on XX/XX/2021 now I am filing an compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Synovus Bank
State: TX

Complaint narrative:
This account is inaccurate, I have spent 2 years disputing TWO accounts. Both by mail and over the phone. I even paid it to get it removed from my credit report! They continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I saw a collection account on my credit from Absolute Resolutions. I don't know where this debt came from. It is XXXX. 
I sent a validation request to this agency many times and they won't send me anything. This is wrong and against the Law Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX  XXXX {$6800.00}, XXXX XXXX XXXX XXXX, XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed {$1700.00}, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Tried to wire funds. Bank stopped the wire, would not contact me as to why the wire was canceled. Tried to close my account. Bank said they would not close the account and told me to call back days later. Would not close the account or contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MIDFIRST BANK
State: LA

Complaint narrative:
My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. 
I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. 
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