vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a debt on my credit report from XXXX. After attempts to dispute it with them for many years, I gave up. XXXX then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. XXXX also sent it 10 months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, experian is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also 7 years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " XXXX verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if XXXX is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that XXXX is not honoring it XXXX as i no longer have any responsibility for the amount owed.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I have to of the same charges for the same property I never Evan lived there Ive shown proof it was my mother living there using my name an the original balance was XXXX dollars when she moved out they allowed XXXX to get into the property after an I never knew so they chargede for all the months of rent the homeless people where in there now the delt has increased tremendously an keeps going up by XXXX to XXXX dollars every week since it's popped up on my credit not to mention there's another account for the same property charging the same amount to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: UPGRADE, INC.
State: NJ

Complaint narrative:
I've open other complaints with no results, I've went to XXXX as well seeking help. Now after several complaints. On the XXXX the company took all my available credit, by decreasing my credit down by {$1000.00}, make all credit not available. I know I have never been decreased in credit, until after I've, made these complaints on getting my credit cards fix. It feels so what as an act of discrimination against the fact, I didn't just let them run over me, and took actions. Their answer or solution is to cut my credit due to all the complaint. I need answer, to why I've has the problems for 3 months, even the embarrassing declines, as well, as why was my credit decreased only after I've made several complaints. As of right now I'm not seeking legal actions, but answers are needed. I did go ahead and close the and stop all automatic payments until all questions are completely answered. Again no decreased until after I have complaints on the company. The credit was {$5000.00} is why they pulled my credit score with over {$900.00} was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
After 3 months ( XXXX, XXXX & XX/XX/2021 ) of not getting service or any response to my numerous email requests I notified them via email and on my bill that I was no longer going to use them and asked them to pickup their 3 empties and reimburse me for them. In XXXX a XXXX supervisor by the name of XXXX ( ph XXXX ) finally stopped by and apologized for the lack of service and help requests and explained that the company had huge staff problems. I told him that I would no longer use them and gave him my 3 empties worth {$6.00} each. Since there were 3 XXXX said they would refund me {$18.00}. Not only did I not receive the {$18.00} but XXXX has continued to bill me for services not rendered. XXXX owes me {$18.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
On XX/XX/2022 I called the customer service number for my loan servicer : XXXX. The loan is held by Ameris Bank. I informed them that there should only be one property attached to my escrow account, not two. I looked up the second property on the XXXX XXXX website and discovered it is owned by the state of Alabama. The parcel # is XXXX. I was told by the customer service representative that the issue would be resolved in 10 business days but I could call back sooner to check on the progress. I called back on or around XX/XX/2022 and was told there was no resolution and it would take XXXX business days. I was advised to call back on XX/XX/2022. I called back on XX/XX/2022 and was told that the issue was not resolved yet and I should call back on XX/XX/2022 to request that the issue be escalated since it was past the due date for resolution. During one of my follow up calls I offered to send a snip from the XXXX XXXX website to show I am not the owner but was informed that the bank had to do it's own research. I called back on XX/XX/2022 and was told the issue would be sent to the escalation team. I received an email from XXXX XXXX stating she was the representative for my escalated issue. She did not provide a contact phone number. I emailed her and asked what she would be doing to resolve my issue and when can I expect it to be resolved. By Monday XX/XX/XXXX, I did not receive a response so I called the same customer service number. I informed the representative that I had not received a response from XXXX. She said I should have received a response within 24-48 hrs and she did not know why XXXX had not responded. She said she would send a message to XXXX to reach out to me and, once again, I was advised to call back if I did not receive a response by Wednesday XX/XX/2022. It is XX/XX/2022 and I have not received a response or resolution. It is clear that continued calls is not resulting in resolution so it seems silly for me to continue to call. The impact of this issue is an overstatement of my escrow payments of {$100.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Santander Consumer USA Holdings Inc.

Complaint narrative:
Upon review on my consumer reports I noticed that the company have been reporting an fraudulent account to the consumer reporting agencies. 
If the account is still going to be reporting on my consumer report I will pursue action in federal court because they are violating 15 U.S. Code 1681s2 - 18 U.S. Code 1038 And making false statements to XXXX Thats 3 counts to each violation My signature was forged and I didnt sign contract with Chrysler capital For USC VIOLATIONS will be disclosed in federal court Chrystler capital XXXX or XXXX ID # XXXX Legal number or fax XXXX Credit dispute XXXX XXXX XXXX XXXX  Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Velocity Portfolio Group
State: GA

Complaint narrative:
After receiving notice of Identity Theft Affidavit, CKS Prime Investments is in voilation of FCRA 623 ( 6 ) ( A ) ( B ).

CKS Prime Investments is reporting an account on my credit reports that had fraudulent activity that has been reported. Although they have been notified of this and provided with the documentation, they only changed the status to closed on the account reporting but they have not removed the account.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice of Dispute includes the following account : CKS Prime Investments Account : XXXX {$530.00} Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) & FRCR 623 6 ( A ) ( B ), you have the duty to remove your credit listing after being notified of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've had mortgage with Wells Fargo for many years. Pay every month about 7-10 days early. Between XX/XX/XXXX and XX/XX/XXXX I paid {$3000.00} every month. In XXXX i received a call from Wells Fargo that my monthly payment was incorrect. After long discussion I agreed to pay additional {$750.00} to bring account current and to pay $ XXXX henceforth. On XX/XX/XXXX i received a letter from XXXX that my mortgage is in default and recommending that i take steps immediately. After long discussion I finally discovered that in XX/XX/XXXX the bank got my payment as usual but because the amount was less than they wanted they had NOT Paid MY Mortgage.Instead they had applied the entire payment to principal. They never told me. They have been reporting me to credit agencies, they threaten to forclose, claiming that I failed to pay when in fact I have never missed a payment or even paid late. They did it to me and they did not even tell me. Why didn't they call me? They had two numbers on file, one of which has been out of service for 20 years. They never called to other one. I note that the young man I spoke to in XXXX was able to reach me by phone.Why not a letter? Why would they do this to me? The computer did it. Why cant they go back to fix it? It was too long ago. I must pay a 13th mortgage payment this year or else face foreclosure. They are cheating me. You would think you could trust a bank with your accounts but I realize now this is not true. I am XXXX years old. Maybe thats why the pursue this policy.

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 2022-03-20 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: CT

Complaint narrative:
On XX/XX/2022 I sent a letter to Experian, to do the following ( remove incorrect variations of my name, remove incorrect addresses that is not mine or where I live, seven incorrect hard inquiries, removal of late payments from dept of educationXXXX, removal of late payments from XXXX  and removal of inaccurate account from new XXXX XXXX  and they said the information came back verified which was in violation of 15 USC 1681 ( a ) ( e ) and to let them know they did not provide credible proof of verification as defined in the law. They failed to verify because to verify is to do an investigation and they did not investigate anything with any one of my neighbors as corporations can not talk to real people. They were also in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) because they were violating my consumer rights to report inaccurate data without my permission as the consumer. I told them who I was pursuant to 15 USC 1692c and 15 USC 1602 ( G ) and that I was the original creditor and did not owe any debt based on these hard inquiries. I do not owe any debts to any of these organizations they placed on my report but they feel as if the law does not apply to them as they do not respond to the consumer by reporting accurate information per instructions from the consumer.

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 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a debt on my credit report from Citibank. After attempts to dispute it with them for many years, I gave up. CITIBANK then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. CITIBANK also sent it XXXX months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, XXXX  is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also XXXX years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " CITIBANK verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if CITIBANK is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that CITIBANK is not honoring it , as i no longer have any responsibility for the amount owed.

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 2022-03-20 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: PA

Complaint narrative:
I didn't apply for this account on my credit report these are fraudulent accounts, and I would like this account to remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: AL

Complaint narrative:
XXXX is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding 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 non-monetary relief
Consumer complaint received 2022-03-20 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: PR

Complaint narrative:
I send a dispute letter and a CFPB complaining about a 30-day late payment reporting on my credit report by XXXX XXXX  XXXX on XX/XX/2022 I send the proof of I make the payments on time, and yet they still reporting wrong on my credit report. I also ask for de independent investigation methods they use and they only use the information the creditor shows violating my right. Please take action on this mater.

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 2022-03-20 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: MS

Complaint narrative:
EXPERIAN is reporting inaccurate information on my consumer report in regards to XXXX. According to the FCRA if the information being reported isn't 100 % accurate then it must permanently be removed from my consumer report. Pursuant 15 USC 1681e ( b ) it is the responsibility of EXPERIAN to report completly accurate information on my consumer report. If the information is disputed by the consumer is proven to be inaccurate then the account must be removed immediately. XXXX is reporting it as a charge off and EXPERIAN is reporting it as a collection account. This is not consistent and accurate reporting, therefore EXPERIAN is breaking the law by reporting the account on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation