vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
This collection agency did not send letters, failed to email me or communicate properly to notify me of the debt prior to placing it on my credit report. I sent them an overnighted letter ( with a return receipt an tracking ) to demand they verify the debt, to prove that I made a good faith payment ( despite it being an open fraud investigation ) and to request that they remove the negative reporting during this open investigation. I also submitted verification ( bank statements ) showing my current address. Instead of complying, they contacted the credit agencies AGAIN and added and " XXXX '' flag to my credit file in order to hurt my score even more. They received my letter at approximately XXXX that day and by XXXX they flagged my credit profiles to aggressively attempt to ruin my credit by ignoring the information I provided them. 

XXXX XXXX XXXX XXXX department received all my correct contact information to investigate the fraud and also took a good faith payment despite it being an open fraud investigation. In the letter I overnighted to Credit Management LP, I informed them of this and they ignored it and attempted to damage my credit more by adding negative information to my credit file. 

I called XXXX to dispute this account over XXXX year ago ( which I now know is a fraud account ). I had no luck as the company took my complain but never got back to me about my claim. This collection company, Credit Management LP suddenly put a dent on my credit report without contacting me. I have never lived at the address the XXXX bill was sent to, I notified XXXX I had no access to that address and XXXX never reached out to me to pay the bill. They called about the boxes XXXX day and I re-informed them that I don't have access and don't live there. An open investigation is ongoing but the account is PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I'm writing to explain a situation in which I believe the bank that handles my mortgage misled me regarding credit reporting. 

I have had a long history of paying my mortgage via automated payments. I was late for a payment in which I realized that my automated payment had ended by error. I called Chase to figure out where the problem was, and in hindsight we realized together, over an extended phone call, that my automated payments were, in fact, coming in late when I thought they were getting there early. Due to the autopay being shut off I made a manual payment on their website to get the account current. The payment was sent back to my bank twice, I don't know why as I had the money in my bank account. Chase never contacted me regarding this issue, but once I realized there was a problem with their manual payment system I checked my accounts daily to make sure that the mortgage was being paid, as I was concerned about this affecting my credit. 

Another thing to note is that when my autopay scheduling was off Chase never contacted me to let me know there was a consistent problem occurring. This resulted in Chase charging me about {$650.00} in late fees that they never communicated. 

During my phone call with Chase I let them know that I was very concerned that this would affect my credit, at which time they assured me it would not. I was very disappointed and upset to then see a mark on my report that I had a late payment recorded for my mortgage. 

I believe that Chase did not do their due diligence to contact me regarding late or missed payments, and that they reported a late payment on my credit when they specifically told me that I would be safe, and without communicating to issue to me first so that I could have taken steps to mitigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-27 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Have sent multiple attempts to XXXX, Equifax and XXXX disputing incorrect names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: VA

Complaint narrative:
Please remove unauthorized account as it is related to identity theft. This is against all my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I put in a modification at Wachovia which they approved. In that process Wells Fargo bought them out and would not honor it. And even though Wachovia said I had to be 3 payments behind to process it, Wells Fargo said I was in default. I was on time with all my payments up till that point. They foreclosed on me anyway. It was my first house in my name. It was my home!

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 2023-03-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-27 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: IL

Complaint narrative:
MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX AND XXXX XXXX XXXX I was never late on 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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have sent multiple attempts to XXXX, XXXX and TransUnion disputing incorrect names and addresses

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Have sent multiple attempts to Experian, XXXX and XXXX disputing incorrect names and addresses

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 2023-03-27 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: LEXISNEXIS
State: VA

Complaint narrative:
ACCOUNT IS A PART OF AGGRVATED IDENITY THEFT. I DID NOT APPROVE OR AUTHORIZED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
Since XXXX my loan with Navient was supposed to be for a fixed rate of 2 % and a fixed monthly payment. This was after a long struggle with how my payments were at interest only and they listened to past phone calls and determine I never agreed to that. They couldnt reimburse me so that was how it was handled. I noticed recently my payments increasing and realized its back to a variable interest rate. This may have been for a while too. I have called and wrote and they deny my past agreement. I wanted to stop paying, so they also just violated the FDCPA yesterday by calling me for payment on Sunday and left a voicemail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.

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 2023-03-27 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: IL

Complaint narrative:
MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX  AND XXXX XXXX XXXX I was never late on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I have contacted the company " Professional claims bureau, LLC '' on 3 separate occasions, XX/XX/2023, XX/XX/2023 and XX/XX/2023 to inform them the doctor never explained there was a copay. When I asked the doctor office, they repeatedly told me no co pay was due and my insurance covered my physical therapy visits. They have not contacted me back and continue to send harassing mail demanding their payment. The doctor 's office should be held liable, which I explained in the email. Yet, on three separate occasions, I have not heard back from PCB. Please have PCB stop sending me harassing mail and investigate the matter with the doctor 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine

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 2023-03-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do not remember the actual dates, as I closed the account a good while ago, but I was a Wells Fargo customer for many years and I had overdraft protection and was still hit with {$35.00} overdraft fees all the time.

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 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-27 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: LEXISNEXIS
State: VA

Complaint narrative:
REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XXXX XXXX XXXX phone number XXXX email XXXXXXXX XXXX ID : XXXX My name is XXXX XXXX XXXX I went to associated bank and open an account the above agent information was given to me because I'm a first time home buyer he denied my application because I'm XXXX and he lied I have no credit I had a credit card with XXXX, he later told me he couldn't pull up my credit score, I called another agent in the bank she pulled up my credit score I asked her if she could take up my application she later told me she have to talk to the agent I'm dealing with first and she comes back giving me another lie story so I knew that XXXX XXXX XXXX deliberately denied me the loan for me been XXXX and that is very wrong so I wanted this matter to be investigated why will he do that and how long he has being doing that to other XXXX people it's our right to have a mortgage when we meet all the requirements not for an agent to lied to us and denied us because of our race

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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