vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX on XX/XX/2019 the day before I even showed up at XXXX XXXX dealership, which is an affiliated company. This inquiry was not authorized by me and appears to have been done in a nefarious manner. I authorized no inquiry until XX/XX/2019 when I came to the dealership, when XXXX did a credit inquiry for a second time but with their true name XXXX/XXXX XXXX/XXXX  short for XXXX   XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
It was done in a nefarious and discreet manner to avoid detection. I spoke with the affiliated company XXXX XXXX, whom I have never had any dealings with and they told me that their credit inquiries are under the name XXXX XXXX XXXX. They are also located four hours from my home and I have had no dealings with them. 
The XXXX dealerships are saying that they do not know where this inquiry came from and EQUIFAX has been of no help. I have sent them my drivers license and a 1099R to identify myself and they still will not talk to me. I did put in a request to have this inquiry removed but i have no ability to check to see if this has happened. I should indicate that i became " locked out '' of my credit file after filing a complaint with XXXX XXXX and XXXX XXXX. Equifax would not even tell me why they wouldn't talk to me. AND WHEN I ASKED WHO I WOULD COMPLAIN TO ABOUT EQUIFAX, THEY TOLD ME THERE IS NO REGULATORS WHO WATCH OVER THEM. JUST COMPLAIN TO THEM. I knew that could not possibly be true. In addition, i was asked several times for my social security number, and it was repeated with other people in close proximity to the person taking my call. I could hear them. It sounds like an overseas operation and i question why they insisted on repeating my social loudly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
My XXXX contract has been never renewed they do not have a signature on file to continue this service and as of today 's date I have on numerous attempts ask them to send the contract they said they have. They have renewed the contract themselves without a signature and continue to bill me fees for anything regarding their own upgrade or update of their alarm. Sometimes the system would work and there are days when it would not. I called them on numerous occasions to fix their system. They advised they would finally show up and that I would not be billed. Unfortunately they did bill me for up keep of their own system in charges that were more than {$500.00} in up keep they would not put batteries in their system to update nor would they update smoke detectors under a contract making the customer pay more than {$500.00} just for the smoke the detectors and glass breaker up keep. The customer is not advised after the tech leaves of the bill and is never aware of what is owe. The customer does not get an on site bill and later is in shock on money owed. When a customer calls they do not get accurate billing and it is a considerable long time in wait to get a hold of someone to handle account. I paid my bill they advised that I owed the amount of {$310.00} this amount was paid. Today I get a bill from a collection company for the same amount of {$310.00} that they deducted from my checking account. They are not advising the customer what they are doing not sending notices and billing the customers for services without the customers consent. The company is making money from the consumer by not upgrading their system and making the customer pay to do so. The company is not straight forward with the consumer about charges owed and the consumer is blinded not knowing money owed. The company renews contracts without signatures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: UT

Complaint narrative:
This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It  was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX  XXXX XXXX  forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

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 2019-02-15 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: GA

Complaint narrative:
The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX XXXX XXXX   forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The dates contained in my credit file for Midland Funding LLC are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not Midland Funding. The XXXX XXXX XXXX  account was closed by the original creditor and the debt forgiven. Midland Funding LLC is in direct violation of the FCRA. Midland can only report debts that is owed to the original lendor or Midland. XXXX XXXX XXXX forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. Midland Funding is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA Midland must produce documentation that XXXX XXXX has made an agreement that he owes a debt to Midland consistent with the dates within the credit file. If Midland can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-15 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: GA

Complaint narrative:
I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm XXXX years old and a XXXX XXXX Veteran. 
In 2012 I was contacted by Wells Fargo to apply for a lower interest rate.I was also contacted by XXXX for a mortgage reduction on another property. I was approved for both AT considerable cost. I recently received a letter from WF about a rate increase coming next month. I contacted them about the increase and they said I signed paperwork to a 7 year arm which will adjust every year thereafter. I WAS NEVER TOLD this was an adjustable rate that they were giving me, I assumed it would be like the XXXX mortgage adjustment which did not cheat me into a adjustable rate. 
WF pretty much told me tough, since I signed papers at closing that showed a rate adjustment in 7 years. I trusted the bank. At closing, it was quickly done by the way, going through a sign here initial here process. Many many pages of documents.

My issue is, WF at no time during their letters and conversations prior to signing, asking me to to accept a lower mortgage rate, they never, ever mentioned it was adjustable. 
Knowing now their past reputation I bring this up. Probably others have this problem.

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 2019-02-15 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: COMMERCE BANK
State: IL

Complaint narrative:
I have repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes.  '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My mother is a XXXX year old invalid who has some credit card debt. When she couldn't XXXX anymore and became XXXX, I called Citibank and informed them that my mother could not pay anymore. Citibank, unbeknownst to me, sent " Delinquent Account '' Reports to the Credit Bureaus on ME. 
Citibank NEVER contacted me after I sent a letter of explanation and a request for a phone call. Instead, Citibank started sending reports on ME back in XXXX of 2018. 
Just today, by chance, I noticed my Credit Score had dropped dramatically. When I asked Citibank why I was punished for my mother 's account, they said I was an " Authorized User '' and I had agreed to let them contact Credit Bureaus about me. I signed and agreed to NOTHING of the sort. MY mother must have put me on as an " Authorized User '' in order to buy her supplies. I NEVER agreed to it and they refuse to show me proof where I did agree to it. 
I now have dropped over 100 points on my Credit Score, I have Credit Limits reduced on Credit Cards, and I'm suffering Compensatory Damages from Citibank 's actions. 
HOW CAN IT BE LEGAL TO MAKE A REPORT ON SOMEONE BASED ON SOMEONE ELSE 'S CREDIT CARD??? I AM NOT the Account Holder, WHATSOEVER, for my mother 's Credit Card with Citibank. And I signed NOTHING to be an " Authorized User '', yet they reported to the Credit Bureaus about ME. And WITHOUT EVER CONTACTING ME BEFOREHAND.

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 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I HAVE AN OVERAGE OF {$4200.00} IN MY MORTGAGE ESCROW ACCOUNT. MY MORTGAGE IS HELD AT DITECH. I HAVE REQUESTED MY REFUND THREE TIMES SINCE RECEIVING THEIR ACKNOWLEDGMENT AFFIRMING MY OVERAGE IN WRITING ON XX/XX/2019. THEIR FIRST REPRESENTATIVE PROMISED ME THE CHECK WAS ALREADY IN THE MAIL. THE SECOND REPRESENTATIVE TOLD ME THE OVERAGE WAS NOT OWED BACK TO ME. THE THIRD, A SUPERVISOR TOLD ME DITECHS POLICY IS TO KEEP OVERAGES AND LABEL THEM AS PART OF MY ESCROW RESERVE. I EXPLAINED THAT THEY CAN LEGALLY ONLY HOLD UP TO TWO MONTHS OF MY INSURANCE AND PROPERTY TAX BILLINGS BUT MUST OTHERWISE RETURN MY OVERAGE. THE SUPERVISOR TOLD ME KEEPING OVERAGES IS DITECHS POLICY AND I COULD FILE A COMPLAINT IF I DONT LIKE THAT ANSWER. I WILL DO THAT AND ALSO REPORT THEM TO THE CALIFORNIA BRE, DRE AND THE FDIC. I AM JUST GETTING STARTED HERE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
There are inquiries posted on my report that are unknown to me and it is concerning : XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. 
XXXX, XXXX ( TWICE ). XXXX, XXXX. XXXX 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 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.

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 2019-02-15 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: GA

Complaint narrative:
Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.

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 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke  to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.

Company response to consumer: Closed with explanation