vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-17 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:
I have contacted Equifax on many occasions via certified mail which tracking shows they received my notices on XX/XX/18, XX/XX/18, and XX/XX/18 and via phone having spoken to the Fraud department & a few supervisors such as XXXX rep ID XXXX regarding information listed on my credit report. I have asked for validation of accounts such as XXXX XXXX & XXXX and have yet to received any physical proof since i have brought this issue to them. I am not quite sure why it has taken months for them to provide me with documents that per law should already be in their possession as they are reporting information on me that they themselves have no physical proof belongs to me. I have also received notice from Equifax to contact original creditors to further investigate when per law it is not my burden to do the investigation for the credit bureaus. I have although contacted said creditors and either have received no response, incorrect account information ( i.e. someone else account information ) or a notice asking I give a company that to my knowledge i have no dealings with all my personal information in order for them to validate a debt. All of this which has been provided to Equifax and yet still to this day I have not received any physical proof of validity from the original creditors or Equifax. I also sent notice of failure to validate to XXXX and XXXX XXXX as they have not provided physical proof to me so what have they provided to Equifax that could not be given to me is what I dont understand. This has been on going for months which if they are obligated by law to have this documentation in hand as they keep saying the information has been verified as accurate why have I yet to receive any physical proof from either Equifax on the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: Innovis
State: NY

Complaint narrative:
No knowledge to this report inquiry. 
No permitting to this company to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
There is a not permitted this company to check my credit no knowelegge about this company

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 2018-11-17 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: Credit Plus Inc
State: NY

Complaint narrative:
This company do not have my permition to check my credit this is a fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 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: Innovis
State: NY

Complaint narrative:
This company do not have my permition to check my credit this is a fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Select Portfolio Servicing bought my mortgage from XXXX, which was the Mortgage holder at the time. It was a couple years after I filed chapter XXXX bankruptcy. I did not include my home in the bankruptcy and submitted the courts documentation, the same documentation I am uploading here, showing that it was not included. I am not sure how many years ago that was. They continued to report it as part of the bankruptcy. It has now been 10 years after the filing, and it has fallen off my record per Federal Law. They are still reporting the house was part of a bankruptcy. I tried to get a loan, and Select Portfolio told them either on the phone and/or submitted documentation to the loan agent, telling them that the home was part of a bankruptcy. I am FED UP of this misrepresentation and now they are not only misrepresenting me still, they refuse to change it and they are messing with my future..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: IL

Complaint narrative:
On today, Optimum Outcomes, INC reported an account to my credit without my knowledge. They have contacted me about a debt in the amount of {$2900.00} that I did not authorize. They have called every single day and night seeking payment. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: FL

Complaint narrative:
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. 
They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/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 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. 
Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.

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 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX / Synchrony Bank does not honor billing address in an order 's final details for purchases made online through XXXX. They do not confirm that emails are sent to the correct email address for the person name listed on a purchase final order details. As a result, i had a debt and credit card that i was unaware of go to collections and it has damaged my credit score. They made no attempts to reach me by phone, reach me by either shipping or billing address before sending this to collections. No parties involved have been willing to help me resolve this in a correct and fair manner.

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 2018-11-17 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortagage has not sent us the {$1200.00} that was remaining in our escrow when we sold our house. The house closed on XXXX and we should have received it by now.

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 2018-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Cancelled wireless account XXXX with XXXX well within their early termination period. Account has since gone to collections. Have contacted XXXX as well as collection agency requesting a debt validation letter which both parties refuse to provide.

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 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: UT

Complaint narrative:
On XX/XX/18 Provident Funding sent a letter stating 'how to request cancellation of your private mortgage insurance ... current loan to value ratio is 79.88 % ''. We followed the instuctions and paid {$100.00} fee for Provident Funding to then to perform a broker price opinion. Provident Funding then  sent a letter dated XX/XX/18 stating " based on the property value of the property ... the loan to value ratio is 90.2 % '' and stated totally different values than what was originally written. I feel like it was fradulent scam to get me to pay {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I received a notification on XX/XX/XXXX from XXXX & Equifax is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}. 
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: Lending Club Corp
State: NY

Complaint narrative:
As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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.
State: GA

Complaint narrative:
XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditor ( GA XXXX XXXX XXXX XXXX XXXX ) ... grave errorfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received a notification on XX/XX/2018 from Transunion & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I received a notification on XX/XX/2018 from XXXX & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

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 2018-11-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: HI

Complaint narrative:
On XX/XX/2018 Mobiloans attempted to contact me at XXXX and XXXX HST. prior to establishing who they were talking to they immediately advised via a recording that the purpose of the call was to collect a debt and any information gained would be used for the purpose. I stress that when they called and the phone was answered a recording played advising this was an attempt to collect a debt. There was not attempt to determine who they were talking to prior to the recording. 

I believe this is a violation of the FDCPA

Company response to consumer: Untimely response