vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experican refuses to remove the duplicate accounts on my credit report from XXXX XXXX XXXX after being provided proof of duplication.

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 2017-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Previous complaint numbers XXXX and XXXX against Chase Mortgage, XXXX Office, XXXX XXXX XXXX, XXXX, OH XXXX. The second response states that on XXXX XXXX, XXXX I was approved for a short sale through XXXX XXXX, XXXX ; however neither me nor my realtor were informed of am expiration date adsociated with the approval. This was not communicated to my either of us until after the escalations and complaints. The response also states that on XXXX XXXX, XXXX, my realtor was informed that my file wad being assigned to a specialty team that handles military files. This is a lie. At no point did Chase inform me or my realtor that my file was being assigned to a " specialty team '' of any sort, specifically a team that specializes in assisting the military. With that, why would my file bw assigned to a specialty team AFTER the experiation of the short sale? Chase also failed to follow up with my realtor in a timely manner further contributing to the loss of my buyer. Chase. On numerous occassions, my realtor used XXXX system to request a call back or follow up on corrections that were submitted. This never happened. Instead, Chase mailed letters to my residence in XXXX and subsequently XXXX XXXX. These letters were received 7-10 after an information request. Throughout the duration in this process, Chase did not conduct any inspections on the property ; however, Chase erroneously reported that although vacant, my property was not being maintained and did not have electricity. This happened on several occassions. As a result of this, both my realtor and I had to call Chase to inform them that although the property was vacant, it was maintained with electricity and lawncare. My realtor inquired as to who and when the inspections from Chase occurred since this type of inspection required someone to physically go into the home. To date, Chase has not provided the name or dates of those inspections. As a result of this erroneous information reported by Chase, my home issurer at the time XXXX elected not to renew my homeowners issurance upon expiration. I am still trying to find a local insurance company at this time. The hardships caused by Chase mortgage is indescribable. Because of the military, I have relocated twice since begining this short sale process ; however Chase mortgage refuses to accept any responsible for the hardships caused to me and my family as well as that of a potential XXXX homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TX

Complaint narrative:
On XX/XX/XXXX sent a letter to Equifax notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XX/XX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Equifax is in violation. The accounts in question are listed below : XXXX XXXX {$420.00} XXXX {$2100.00} Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XX/XX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against MANDARICH LAW GROUP with the Federal Trade Commission, the Attorney General of both MANDARICH LAW GROUP /CAH LLC state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: NV

Complaint narrative:
FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a  letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On  XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.

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 2017-11-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX 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 2017-11-07 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: AR

Complaint narrative:
Credit company did not follow the FCRA requirement on disputing debt against my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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:
This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX 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 2017-11-07 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 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: TX

Complaint narrative:
Equifax and XXXX refuses to delete duplicate information on my credit report after being provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TX

Complaint narrative:
XXXX and Experian refuses to delete duplicate information on my credit report after being provided proof.

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 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in  regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against XXXX XXXX GROUP with the Federal Trade Commission, the Attorney General of both XXXX XXXX XXXX XXXX XXXX state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis is reporting a tax lien that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.

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 2017-11-07 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:
XXXX XXXX is reporting a tax lien that does not belong to 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 2017-11-07 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: TX

Complaint narrative:
XXXX XXXX is reporting a tax lien that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: AR Resources, Inc.
State: DC

Complaint narrative:
AR resources inc. XXXX XXXX XXXX for XXXX} open XXXX XXXX. do not now anything about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
This account was closed by myself voluntarily. I no longer wanted to do to business with this company and closed the account voluntarily. My report shows that it was closed by the company and it is reporting negatively on my reports. This has became a big issue in obtaining credit. Please remove his account from my 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 2017-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX constantly threatens to foreclose on my property. B of A owns the second deed of trust on my property and has hired XXXX XXXX XXXX XXXX XXXX. I tried to do a loan modification with B of A but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XXXX/XXXX/XXXX through the XXXX Bankruptcy XXXX case # XXXX, I was XXXX of my debts under Chapter XXXX ( including the second deed of trust ) under section XXXX of title XXXX XXXX Code ( the Bankruptcy XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX XXXX sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a priority Mail XXXX slip from the XXXX from this debt collector. This is just XXXX examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt XXXX B of A has used in the past.

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 2017-11-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hard hit unknown. Not i

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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority
State: AZ

Complaint narrative:
1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates. 

GSFA is reporting missed payments for reporting periods requiring no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have written to the company on XXXX XXXX, 2017 requesting documentation supporting their permissible purpose in accessing my credit files with all three Credit Reporting Agencies. Their response was simply a verification that they had accessed my files, but no supporting documentation was sent. Lacking permissible purpose, these inquiries should be removed.

Company response to consumer: Closed with explanation