vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: OR

Complaint narrative:
I paid what I thought was a final phone bill to XXXX on XX/XX/2019. 

I received no notice or anything of the sort to that would lead me to believe my dealings with XXXX were anything but finished. Fast forward to XX/XX/XXXX and I get a phone call from Allied Collection Services Inc, saying I have a old phone bill from XXXX that went to collections. I called up XXXX to see if this is true but they can't prove why I would owe that when I was already with another carrier as of XX/XX/2019 with a finished ported phone number to the new carrier as of XX/XX/2019 and why they claimed the billing was for services from them on XX/XX/2019 - XX/XX/2019 so they just pushed me to the collection agency. 

Its XX/XX/2019 already a week after I was first contacted by allied collection services inc and despite my repeated attempts to get any sort of debt validation letter or even just any sort of letter in general from them to have some sort of paper record they either are refusing or willfully ignoring 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 explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: FL

Complaint narrative:
I have previously sent this collector a request on XX/XX/XXXX to validate this debt as well as sending a letter to XXXX  and XXXX. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you they I allegedly owe you. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them. 

Since they are still reporting this account on my credit report, they are now in violation of the FCPDA. This account is also past the statue of limitations as it is reporting as opened XX/XX/XXXX, which has surpassed 5 years and this collector has reported this as a charge off but once I disputed it they changed the balance from {$0.00} to {$6600.00} stating this is the balance owed as if theyre still coming after me, which is a violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: NY

Complaint narrative:
i was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
*Contacted Specialized Loan Servicing requesting payoff of total balance owed on XX/XX/2019. 
*Request to Specialized Loan Servicing was sent via certified mail, and return verification of receipt of the request was signed by Specialized Loan Servicing XX/XX/2019. 
*Received a phone call from Specialized loan Servicing XX/XX/2019 requesting documentation of identity and ownership of property. 
*Requested documentation required by Specialized Loan Servicing was mailed XX/XX/2019. 
*No response to request of payoff amounts have been received. 
*Specialized Loan Servicing states on their web site that payoff quotes are typically provided in 5 business days. Thus far, we are close to 90 days without any response as to the payoff amount on the mortgage.

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 2019-08-29 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: DC

Complaint narrative:
Experian and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!

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 2019-08-29 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!

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 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I deposited 2 checks for the payment of a sofa and a pair of boots. I deposited the first one on XX/XX/2019 for {$1900.00} and the second on XX/XX/2019 for {$1800.00}. I was sent extra money to pay " movers '' to come on behalf of the buyer to pick the items up. Once Capital One cleared the checks, I waited until the funds were fully available and they emailed me saying it was okay to rip the checks because they had gone through. I then proceeded to pay the movers and was called shortly after to inform me that they were fake. The bank then took the money away meaning that the XXXX payments I made using the money from the checks was replaced with MY OWN MONEY ALREADY EXISTING IN MY ACCOUNT. I proceeded to put 2 claims on both XXXX transfers as I would not have touched the money from the checks, had the bank not failed to clear them. I was told numerous times by Capital One representatives on the phone that the first XXXX transfer had already gone through but that the second one was pending still and that the money had not reached the recipient. I now know that both recipients were fraudulent and given that my own personal money replaced the checks funds in the XXXX transfer, I am entitled to getting my money back. Numerous bank representatives told me on the phone and in person in the XXXX XXXX branch that since I had my own money in the account, I was entitled to get it back as what I am arguing is that the bank wrongly cleared checks and told me to proceed to use the funds and then refused to help me get my own money back once they reversed their checks and sent my own money in the XXXX transfers. I did not authorize my own money to be sent, I authorized the check 's funds to be sent which the bank cleared and SHOULD NOT HAVE. Please help me get my money back. The conversations with the bank are all recorded and all the evidence of their wrong doing is there. I was already told in a previous complaint that they were trying to get the money from one complaint back and after they kicked me out of the bank, froze my account and left me penniless for almost 3 months, they have failed to help me get out of a problem that they got me in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAMS-01, Inc
State: VA

Complaint narrative:
I have requested a loan estimate from a broker named XXXX XXXX at HST mortgage XXXX VA that has taken all my information and yet she denies me a loan estimate and stated initially that the address of the home was not given to her. Once I showed her proof that indeed she was aware of the address she stated that a contract needs to be in place prior to giving an estimate. I requested the loan estimate on multiple occasions and she states she will no longer respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Made several attempts to have inquiry remove. Company fail to comply to FCRA guidelines. Inquiry placed from an unknown source on 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 2019-08-29 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Consumer Port Svc. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: NY

Complaint narrative:
I have been trying to get your attention in removing accounts showing in my credit report that do not below to me, such accounts are : XXXX XXXX XXXX # **** ; and XXXX XXXX   XXXX # XXXX****. 
In the pass my identity has been stolen, due to data breaches in XXXX, and other companies, causing great harm to my credit worthiness.

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 2019-08-29 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: AL

Complaint narrative:
Hello! I was alerted by equifax XXXX and XXXX that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm XXXX and on Social Security, direct deposited into my bank. In XXXX, I was paying XXXX {$75.00} a month toward BofA debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, XXXX XXXX XXXX served me with a lawsuit representing BofA ( same debt ). XXXX XXXX XXXX tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with XXXX XXXX XXXX on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that XXXX XXXX XXXX was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). XXXX and XXXX may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. XXXX XXXX XXXX returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify XXXX XXXX XXXX he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.

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 2019-08-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.

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 2019-08-29 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: MI

Complaint narrative:
I had a check for {$16000.00} that was sent to the IRS for tax payment. It was made out and mailed on XX/XX/2019 and cashed on XX/XX/2019. The IRS stated that they haven't received the funds although it was cash by the IRS. The endorsement on the back of the check is different from the check cashed in the previous year. I was sent a claim form that required the IRS to sign the form which is almost impossible to get. In my initial call to Chase the IRS agent was on the phone and provided her ID # and stated that the check wasn't received. I have tried for 4 hours to get someone to sign the form but that is almost impossible. See that Chase is the largest depositor or transfer of funds to the Treasury in the world it should be easy to identify if those funds are in the possession of the Treasury or refunds me the funds that enabled fraud to happen at their back because the endorsement states that Chase cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: AL

Complaint narrative:
Hello! I was alerted by XXXX XXXX and transunion that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.

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 2019-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STATE FARM BANK, FSB
State: LA

Complaint narrative:
State farm bank has a ten day grace period before a late fee is charged. But each time I go to the website, the late fee is applied the before the late payment is due not the late due date shown on their payment coupon. I've tried to correct this time and time again. One time, I sent in an extra payment, they applied a late fees to that. My payment is due on the XXXX but according to the coupon, late fee is not assessed until the XXXX, XXXX and sometimes as late as the XXXX of the next month. However, when you go to pay, the late fee is there on the XXXX of the month. I'm now faced with paying these erroneous fees to get my car title. It's frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to Transunion and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.

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 2019-08-29 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: Clarity Services
State: PA

Complaint narrative:
Clarity Services INC continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CORELOGIC INC
State: PA

Complaint narrative:
Credco Placed an unauthorized hard inquiry my credit file. Requested company to remove from all three credit bureaus.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have reported this before on this site and it continues to be closed without them answering my questions. Monterey financial has violated the fdcpa! They have given me the wrong amount twice over the phone and the calls are recorded. I have ask for an agreement to be made on settling this account and they refuse to accommodate at all even though they have lied. They are reporting missed payments and threatened me multiple times that if I dont give them money immediately that they will send me to collections. These threat were given to me after I told them that I read the contract myself and I know that I dont owe them XXXX   dollars and I actually owed XXXX. They have responded saying they never told me XXXX even though the last time I spoke to them they said that the people gave me the wrong amount by accident. I dont want them to send me the dates I signed a contract or lies that they never told me that, what I want is for someone to contact me about finally ending all of this once and for all

Company response to consumer: Closed with explanation