vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
The information shown says one name and my name is different from that. Me and my dad have the same name but I 'm the XXXX and that 's not what is shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MD

Complaint narrative:
I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a  company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus  reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
In XXXX, I signed up for a XXXX XXXX XXXX American Express card, as they were offering XXXX bonus points if I spent {$750.00} on the card in the first 3 months. In XXXX I spent more than the {$750.00}. As of today 's date Ihave not received the bonus points despite having contacted American Express several times. I filed a formal request for investigation on XXXX XXXX, 2017 requesting that this be expedited because my plan all along was to use the points for XXXX travel. As I called tonight XXXX XXXX XXXX XXXX their representative told me that it continues to be under review but that their marketing department is failing to respond to these issues and that I am not the only customer who is having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: GA

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have two issues. First, I am unable to sign-up for Equifax 's TrustId service being offered to me because of their security breach. Equifax 's website indicates my personal information XXXX have been comprised due to their recent security breach. I have attempted to sign-up for Equifax 's TrustID service twice. Once in XXXX, and again XXXX. Both times I am informed that an email will be sent to me. I have not received an email and am unable to sign-up for the service. I have been checking my junk mail. 

Second, I want to put a freeze on my credit reports. Equifax wants to charge me to put the freeze on and to take it off. This is ludicrous. They collect information on me, which I never asked to be collected, and they want me to pay them not to share information about me. This practice should be illegal. 

Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: MO

Complaint narrative:
I send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the XXXX  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the XXXX XXXX a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections XXXX not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info?

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX CA I have contacted this company at least 20 times. They are reporting my account as Paid, was a charge-off. My account was paid in full prior to charge off. I even received a refund check from the company for overpayment. How can they charge off an account I overpaid? I have requested them to update my reports and they are stating that the charge off is correct. If this was charged off, why do I still have my vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as an employer that 's needs to be removed as well 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 non-monetary relief
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE FARM BANK, FSB
State: NV

Complaint narrative:
I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have American Express XXXX XXXX XXXX XXXX, the offer for my open the account is XXXX Points if I spend more than {$2000.00} in the first 3 months. 

And then I got an Email from American Express said " We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. " And from XXXX/XXXX/2017 to XXXX/XXXX/2017 I have {$1600.00} on the statement, {$110.00} on total balance now and {$2100.00} on pending. 

I used that card as usual and definitely will get the requirement of the open account offer soon, I do n't understand why American Express give me the rewards points before I meet the requirement and take the points back. 

I have tried to contact them to fix this problem, they told me the reason maybe is this I bought the fight ticket from XXXX and returned ( showed on my statement in attachment ), in fact, I have changed the travel plan and bought the ticket from " XXXX XXXX '' used the same card ( showed on screenshot of sending activities ). This is very usual consumer behavior for everyone!!! This is unfair treatment!!!

Company response to consumer: Closed with explanation