vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Law office MBA Collections I am XXXX  % XXXX  veteran this company has me reporting to the Credit bureau. A debt of {$410.00} for medical never send a bill but they was giving all the information to get their money from the V.A.  This account is more than three years old. And its not removed from my credit report please have them report this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I had a account with XXXX XXXX company. It has been over 10 years and they are still trying to collect XXXX from me and they keep going through different collectors its currently with I C systems I tried to dispute it but they are telling it hasnt been 10 years which in fact it has been. XXXX keeps giving different collectors my account.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NJ

Complaint narrative:
L J ROSS ASSOCIATION XXXX is owed from XXXX XXXX XXXX and it was opened, XX/XX/XXXX, XXXX this is not mines i been trying to get this off of my credit report for a while. i never had a apartment before so could i even have a electric bill.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX XXXX XXXXXXXX

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 2020-10-06 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.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX  XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX DEPT OF EDUCATION/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 2020-10-06 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.
State: PA

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I was overdue on my mortgage payment just past 30 days. Roundpoint Mortgage reported it to the credit agencies. This was back in XXXX of 2018, I contacted them in regards to having it removed from my report and they stated that it was against the law for them to do so. This negative mark on my credit is negatively affecting my credit score which I'm trying to raise. Any assistance in this matter would be greatly appreciated.

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 2020-10-06 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: OK

Complaint narrative:
Hello, I have reached out periodically to Experian. Yesterday, I made six calls and repeated the same information over and over. I was transferred to 2 supervisors and after a long hold they disconnected the phone call. 

Everywhere on my Experian report it says that all of my payment have been paid as agreed. Except for my score profile. This is an Experian error, therefore since this error is not attached to an account I can not electronically dispute it nor will they let me dispute this error by phone. 

Per Experian Report What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time ( please notice Experian 's helping my score says no missed payment, which are correct ) You have few accounts that are in good standing. ( I have 3 open accounts and according to Experian 's report ALL of my account have been paid as agreed, which is correct. 

Number of your accounts currently being paid as agreed 2 accounts ( Your score Profile XXXX Scores are used in 90 % of credit decisions. In fact, XXXX  Scores are the global standard for lenders in the banking, mortgage, credit card, auto and retail industries. XXXX Score 8 ranges from XXXX to XXXX. Higher scores are better. 

What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time You have few accounts that are in good standing. ( Please see Experian credit report ), simple incorrect information. 
Number of your accounts currently being paid as agreed 2 accounts -Experian 's report shows three active accounts that have all been paid on time. 

The XXXX  Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

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 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I have an existing loan with Quicken/Rocket Mortgage and wanted to refinance to a VA loan with cashback. We began the refinancing process more than a couple of months ago for a VA loan. The loan was suppose to close around the middle of last month but when everything else was submitted and closing date was about to be set, Quicken said that the appraiser ( after the appraiser had been done and sent to me ) could not find appropriate comps to put onto the VA form. They contacted me and tried to offer me a conventional loan and I immediately said NO. 
That was weeks ago. I had to go to the expense of getting a wood boring pest inspection for the VA process ( TXXXX is waiting for payment ) per Rocket Mortgage but Rocket Mortgage is saddling me with that bill and they have changed the mortgage to a conventional without my permission. 
I have sent repeated e-mails asking for them to change it back to a VA loan and get an e-mail occasionally from one person appealing to others at their company to remedy the situation but there is no response from any of them. 
At this point, I would leave Quicken/Rocket but the existing mortgage is still with them and there has been so much of the loan process completed ( again, it was right at closing ). 
The current loan continues to be noted as conventional and they are trying to force me to provide documentation to support that loan and trying to force me to sign that the loan type is ok.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I contacted the collection agency to pay off the debt to erase the derogatory mark off my credit report. The collection agency reported that the amount I owed was more than the final statement I received from the original company. I disputed the debt owed with the credit bureau and the results were that the collection agency reported that the balance is being reported correctly when in fact it is more than what I owed the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
filing a compliant against Synchrony Bank paypal credit. They have been harressing me for months thru e-mail and mail. Paying them {$50.00} on the fifth of each month. On a fixed income. Can hardly pay this. They continue to e-mail me and send me mail all month long. 

They have to accept the {$50.00} because I can not pay them anymore money.

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 2020-10-06 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: GA

Complaint narrative:
I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet XXXX  continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... Equifax continues to report 2 charge offs with the same Student loan accounts ... .and Equifax continues to report these XXXX XXXX XXXX the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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.
State: IL

Complaint narrative:
Refusal to XXXX XXXX XXXX own agreement. Exhibits 1 thru 5 attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: IL

Complaint narrative:
Refusal to XXXX XXXX XXXX own agreement. Exhibits 1 thru 5 attached.

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 2020-10-06 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.
State: TX

Complaint narrative:
To Whom in concern : A collection company ( XXXX XXXX ) has placed a collection item on my credit report ( Equifax ) for the amount of {$2300.00}. I have sent two ( 2 ) validation request to XXXX and they have not conducted a proper investigation. They provide a copy of a bill with no other supporting documentation. On my second validation request they provide a standard response with no additional information. In addition XXXX failed to conduct the investigation in the thirty ( 30 ) days. As proof I have provide all USPS certified letter tracking number with dates. The envelope with XXXX response is dated XX/XX/2020 which is over the 30 days required. They didn't provide a letter requesting an extension. In addition this account was not listed as disputed by consumer on my credit file within Equifax. 

This collection on my Equifax report has caused my family harm in we are unable to gain favorable credit interest rates. 

This item should be removed because it does not belong to me, and XXXX has failed to follow FCRA. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
A transaction posted that was cancelled. I have documentation from the vendor. Also, there are 2 fees being charged that should not be charged because they were charged on pending transaction that have not posted to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
The original debt is with XXXX XXXX, the collector is Midland Credit Management. I told them I would not give out my banking information over the phone and they stated XXXX XXXX had given them my bank account information without my consent and all I had to do was say yes and they would draft my account. If this is not illegal it should be. No company should have my bank account information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: KEYCORP
State: NY

Complaint narrative:
I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX   XX/XX/XXXX {$6500.00} KeyBank Home Equity XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX XXXX CC {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been trying to resolve an incorrect PMI charge on my mortgage payoff as I am currently refinancing my XXXX  home mortgage. I paid my Annual XXXX  Mortgage Insurance premium in XXXX on XX/XX/21. The funds were deducted from my escrow account. New Rez LLC/Shellpoint has been delinquent on my requests for correct as my mortgage payoff says I owe this fee again in the amount of {$1100.00}. Calling there customer service number is useless as the representatives and managers all state the only way to get this corrected is to email the loan servicing department. I have done so for 3 weeks now and I have received no response to my inquiry. Only a written letter in the mail thanking me for my inquiry. How as a consumer am I supposed to feel confident about my mortgage service when questions with this large of a magnitude and discrepancy can go unanswered for weeks and customer service is powerless to help me out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation