vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA

Complaint narrative:
I owe XXXXXXXX XXXX a debt due to a XXXX credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to Rauch Sturm who has now been charged with collecting payment. I have asked Rauch Sturm for billing statements detailing the amount owed. They, Rauch Sturm, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with XXXX XXXX  who stated they do have the records but will only send them to Rauch Sturm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX  XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX 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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: MS

Complaint narrative:
Im receiving help from XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me of anything in writing. Im not even sure who they are representing. Theyve sent repeated text messages to my phone to which Ive asked them to stop and please send me some information on this via mail. Ive received nothing. They have left voicemails saying if I dont call them back, then matters will be out of their hands. My husband starting receiving calls on his phone as well. They left a voicemail on his phone saying the message was for me, and same thing. If I didnt call then then matters would be out of their hands. XXXX XXXX XXXX has sent a debt validation packet to them on my behalf, and Ive heard nothing and received nothing in return. The calls to our personal cell phones come during hours we are at work as well. The tone of the womans voice in the voicemail is hostile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX on XX/XX/2020 in the amount of {$460.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Louisiana to collect on this debt. Secondly, XXXX XXXX Adjust, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX Adjust has submitted negative information to all three credit reporting agencies XXXX XXXX, XXXX, and XXXX  XXXX against my name and social security number and is demanding payment from me in the amount of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
i paid off my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
Application was denied. Never received letter as to why it was denied. No contact info changes. Curaao could not tell me why for denial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX  XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and experian credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls me daily for debt. I explained the debt is not mine. They sent me some billing info with incorrect addresses and explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please. They sent me a notice for an obligation to pay. This is the third agency that contacted me in regards to this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I owe Synchrony Bank a debt due to a Lowes credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been charged with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the amount owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with Synchrony Bank who stated they do have the records but will only send them 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 2020-10-27 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: MO

Complaint narrative:
I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX XXXX  {$83.00} 5. XXXX {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Why are you reporting this account inaccurately? XXXX  is reporting all good payments yet XXXX  is reporting just all charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I have already paid off my loan. My final payment was on XX/XX/2020. 
They completed the final payment processing on XX/XX/2020. 

Since then I have been contacting them to get my original recorded lien release document, but I am getting round about answers and answers like it will take 30-45 business days. I have contracted them at least 3 three time within this 4 months I been waiting. Today I was on call with them for more than 1.5 hours and they finally told me, release has been recorded with the county on XX/XX/2020, but they were unable to answer when will I receive original document. They also would not tell me when will I receive this document, even after it is recorded. Customer support representative told me she has to submit yet another request to their " internal department '' to figure out how long would it take to get this document in my hand and said there is no way for me to talk to them directly. They also put some blame on Pandemic, which is understandable and initially I understood that, but it seems little ridiculous after 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: LoanCare, LLC
State: IL

Complaint narrative:
In XX/XX/2019, we asked to apply credit from over paid amounts in the past to our current due payment. The agent at Loancare said they would apply the credit. We paid {$1300.00} and they were to apply a credit of {$140.00}. They never applied the credit and we paid our amount due on time, because the credit was never applied they said our payment was late and now shows on our credit report as a late payment. This is incorrect and an error on Loancare. The phone call was recorded when we asked for the credit to be applied. We have filed multiple times for this to reviewed and is always denied. We have been trying to call since May and have been unable to speak with anyone about the issue or get it resolved. We were able to speak with a manager recently and they also agreed they were in the wrong and listened to the whole phone call. The manager stated when making a decision they dont review phone calls. We are now unable to speak with this manager again as when we are able to get through they state they can not transfer calls to other agents. The phone call needs to be reviewed as Loancare need to remove this late payment from our 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 explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got Identity theft who stole my information to withdraw money out of my Chase bank. I had filed a police report, froze my credit, contacted the bank to get things resolved and tried to get my money back. Funds where transfer starting in XXXX, I discovered and contacted the bank on XX/XX/20. Bank worked to resolved the issues and returned partial of the funds. However, there were still {$4500.00} that were charged because bank said the merchant will not return the money because my info were validated ( because my identity was stolen! ). I have no idea how to get the rest of my money bank and it seems like the bank is not willing to help.

Company response to consumer: Closed with explanation