vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION 80815727 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-12-04 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-04 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I HAVE PAID XXXX XXXX THE AMOUNT THAT I OWED ENABLE TO REGISTER FOR CLASSES! WHEN I RECEIVED MY CREDIT REPORT IT SHOWED THAT THE DEBT COLLECTOR ( CONSERVE ) HAD AN AMOUNT THAT WAS PAID FROM XXXX WHICH I AM NOT AWARE OF THE DEBT COLLECTOR. THIS IS FALSE AND I NEVER PAID A DEBT COLLECTOR I ONLY PAID XXXX NOT CONSERVE! I AM NOT AWARE OF THIS DEBT COLLECTING COMPANY AS I SORTED OUT WITH XXXX AND PAID XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I purchased a new build home and my mortgage was sold to PHH Mortgage ( XXXX XXXX  ),  which is the current company I am working with. Well the property taxes were updated and I followed protocol and sent them the update tax amount and they did not update on their end. Well now there is an outstanding balance and property tax is supposed to be built into the mortgage payments. I started this process on XX/XX/XXXX with no response, then again on XX/XX/XXXX which PHH told me it was resolved, it wasn't. I followed up again on XX/XX/XXXX and still nothing. On XX/XX/XXXX, finally after 4 hours of holding I got a hold of the escalations department, XXXX to be specific and explained my frustration and he told me they would handle it and call me once settled, which here I am on XX/XX/XXXX and no response from them at all. XXXX from their escalations department tried to tell me that is was paid, but was not able to provide a receipt showing that it was done. I have tried reaching out via email and phone today and just been placed on hold each time for a new department to help me. I have also contacted XXXX County to see if the mortgage company had reached out yet and they had no record of anyone calling to resolve the past due amount. Come XX/XX/XXXX we will owe double on our property taxes and still no resolution in sight. At this point I don't know what else to do or how to get a hold of the company to get this resolved. This is such a simple inquiry and no one is able to help me just take notes of my issue and tell me that they will call me or let me know when it's complete and then I never hear back. The level of professionalism and customer service at this company does not exist at all. No one knows where to direct you and no one knows how to follow up or follow through with issues. If this causes bankruptcy or a lean to put on the house I will take legal action and sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I have a personal checking account with BANK OF AMERICA. On XX/XX/XXXX my driver pumped diesel in a XXXX gas station in XXXX Oh. The cashier charged the card 3 times for what was supposed to be the same transaction. The original and correct amount was {$560.00}. The cashier charged wrong amount of {$550.00} and then for no reason charged my card again for {$150.00}. I called my bank the next day they gave me a credit while they investigated. I called the XXXX and tried to resolve the issue, they said there was no history of the XXXX and the XXXX, that they should not have been charged and that their system had no history of it. Bank of America now presumed to take out the XXXX and the XXXX again and are saying XXXX is telling them that those amounts are correct and were supposed to be charged, not the gas station where the diesel was actually pumped, is saying that all three charges are correct. It is impossible to pump XXXX plus XXXX plus the actual correct amount of XXXX. No truck can be pumped that much diesel. I have sent the original and correct receipt to the bank and they are not helping me at all. 

( XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX ) THIS IS THE CORRECT AMOUNT THESE ARE NOT XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH as Reconciled 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 monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/XXXX to cease efforts to me on my default credit card due to my disability, telling them that I intended to file for Bankruptcy chapter XXXX. My disability is XXXX  XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a deep XXXX and have not filed yet. Part of my problematic state of mind was due to having been damaged by a surgeon during a total XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX  XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX since this in XXXX of XXXX. Unfortunately, I opened the Citibank  account when in an affected state of mind in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from Citibank  and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX The company taking this action is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit which prompted me to check my credit report and when I did I noticed that XXXX   had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. Equifax removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Solutions, LLC
State: KY

Complaint narrative:
On two separate and recent occasions, a XXXX XXXX contacted other employees of the company for which I work. He told them that he was attempting to contact me for a debt I owed and called them because I would not respond to his calls. He then provided his companys name and phone number to the employee. In both cases, these employees then sent me an instant message with what was shared. 

This violates my rights as a consumer for this person ( XXXX ) to disclose this information to people I work with. I dont even know what this is regarding. I get a lot of calls from timeshare or retirement scams and fraud all the time. I do not answer calls from numbers I am not familiar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through Transunion and XXXX  and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.

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 2019-12-04 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: GA

Complaint narrative:
Refuse to update correct mailing address after I have submit my " state '' Driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I HAVE A COLLECTION REPORT STATING THAT I OWE {$280.00} FOR ALDOUS AND ASSOCIATES CONCERNING XXXX XXXX! I DON'T KNOW WHAT THAT IS AND I NEED IT REMOVED FROM MY CREDIT REPORT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Banking On XX/XX/XXXX I received a bonus email from chase to open a checking account. Upon direct deposit being set up for a first time checking account the bonus would be honored of {$200.00}. 

All steps were completed and bonus was not applied. 

On XX/XX/XXXX I called following up on this bonus. The call lasted 20min. The staff informed me they would send this to the back office to honor this bonus. 

A researcher was assigned to the case but did not follow-up by getting in contact with me. Stating invalid phone and email on file which is incorrect. 

I have attempted to call this researcher over 10 times and left multiple messages and have not received calls back in the course of a week. 


Following-up with chase a supervisor they informed me they would expedite and assign a new researcher on the case that would call me back in two hours. That did not happen as well. 


At every turn and point I have talked to a various employees who have attempted to call the staff researcher who provided a false narrative, without much success. No employee at chase was able to get XXXX XXXX on the line to answer their questions as well. Emails were sent with no response. 


I in-turn uploaded the email I reached from chase guaranteeing me a bonus along with the coupon code provided. I also included the email stating the bonus was automatically applied, which was not the case. 

They enticed the consumer to open an account using deceptive practices and have refused to provide guaranteed bonus, although all steps have been completed. 



I spoke to an employee XXXX today as well who decided it was best to send me to a voicemail instead of a supervisor that would take my call. XXXX forwarded me to the researchers voicemail box instead of his superior. The case number for that call is included below. 
- # XXXX - # XXXX Case ID for second escalates call towards Chase Back Office XXXX

Company response to consumer: Closed with monetary relief