vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: HI

Complaint narrative:
I am a XXXX  for estate who held a reverse mortgage since XXXX on his property. XXXX XXXX was the servicer then XX/XX/XXXX XXXX took over. You were instrumental in resolving the problem of the month in XX/XX/XXXX complaint XXXX. I sold the unit XX/XX/XXXX and was required to remit in full the amount listed on the payoff statement dated XX/XX/XXXX. On XX/XX/XXXX I contested {$6500.00} and {$1000.00} property tax erroneously paid was removed. Subsequently I received the XXXX statement and {$41.00} plus {$5700.00} charge which increased the loan balance was contested overpayment to {$11000.00}. which was transmitted to RMS XX/XX/XXXX. on XX/XX/XXXX supervisor XXXX XXXX told me payoff statements were an estimate and any overpayment would be refunded. On XX/XX/XXXX at XXXXXXXX  CD {$410.00}, XXXX was transferred into RMS account. This weekend I received a notice RMS would no longer be servicing this account and would not be able to send checks after XX/XX/XXXX as XXXX XXXX  XXXX would become the servicing agent. Today RMS customer services XXXX reiterated they would respond in 30 business days and after XX/XX/XXXX would not be servicing. Supervisor was not available. Since the loan has been overpaid in full, there is o longer a loan to service. What can I do to recoup the overpayment? I elected to satisfy the Payoff statement in order to complete the unit sale which recorded XX/XX/XXXX. How can I recoup the overpayment? 
Reverse mortgages are impossible to deal with, my sympathies to anyone else that must interact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
ASPIRE Credit Card has decided that I agreed to pay a " Maintenance Fee '' after the 1st year that my card was open. I recently was charged {$12.00} for this fee that they say even if I close out the card, they can still charge. This is not the Annual Fee of {$49.00} or the Interest, it is a fee they set and will continue to charge until the account is a zero balance. It is very unfair. 

I recently since XX/XX/2021 have had 4 XXXX for XXXX and been struggling. I called in to them to get caught up and no one tried to tell me about this additional hardship or Credit Protection until today XX/XX/XXXX 

I called XXXX XXXX and have 2 cards with them. They do not engage in thus practice. 

This company address is : XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Dear Sir or Madam. 

I am writing this letter to recognize fraudulent activity has been taken against my XXXX Credit report. The activity comes directly from XXXX XXXX XXXX ( Rebranding to XXXX XXXX XXXX ) towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. This is for an account that has no record of me ever opening it or signing a contract agreeing to these terms. 
When I was 16 years of age, I joined a family plan when the company was called XXXX XXXX, upon which my father paid a premium for a family plan. Up until now, that premium was still paid to ensure that a family plan would stay open. 

According to XXXX as well my account on that family plan closed more than three years ago. I have not been in the use of their products or services for more than three years. And now I'm receiving collections for an account, that I have never signed up for, nor have I ever made use of. 

I am formally submitting this report recognizing that there has been fraudulent activity from XXXX XXXX  towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. The company has no right to have taken legal action against me for what they have done and have not presented me any proof of these things.

I want this fraudulent activity removed from my account and I want the continued fraudulent use of my Identification to come to an end. 




Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
I agreed with XXXX XXXX XXXX representative XXXX XXXX in XXXX to pay a portion of the amount owed for my mother 's XXXX XXXX XXXX  provided at XXXX XXXX XXXX XXXX California incurred during her stay in XXXX. The debt arose because XXXX XXXX XXXX  XXXX had represented to us that they were an approved XXXX XXXX provider for the California pilot care program. The care was to be paid for by the State of California under their XXXX XXXX pilot program in XXXX county, but the facility 's new owners had let their license lapse so they were not eligible to participate. As a result, my Mother 's claim was denied and we had to move her to a facility that was approved. I agreed to repay a total of {$12000.00} and began to make monthly payments of {$250.00} to XXXX XXXX. As of this writing in XX/XX/XXXX that debt was less than {$2000.00}. I XX/XX/XXXX I received a letter from Monterey Credit, who had just acquired XXXX XXXX advising me that I owed {$14000.00} and that I had 30 days to dispute this charge or be held liable for it. It is signed by XXXX XXXX. I have called Monterey Collections several times now and after speaking with a receptionist have been told to hold while being transferred only to have the line go dead on each occasion. I believe they are acting in bad faith in not speaking with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my balance off on XX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on XXXX. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX at XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. 

The debt is either invalid or the entities above have perjured themselves in court. 

The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. 

Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
I noticed a few accounts on my report that I do not recognize

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date

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 2021-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Warning to Remove Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I obtained a XXXX loan through Comenity Bank. I paid as planned but struggled due to pandemic and work. I continued to pay under an agreement but was late on one payment and now they basically have my balance at what I started despite 2 years of paying. They refuse to give me a report of payments made, interest and fees. Due to that one account and their reporting my credit score dropped 200 points. They refuse to close the account and continue to accumulate interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my balance off onXX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on Kohls.com. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBK, Inc.
State: KS

Complaint narrative:
The Collection Bureau of Kansas is illegally charging intrest on a XXXX Municipal Court Debt. Intrest was never included in original agreement. According to the Fair debt collection practices act that is a violation of subsection 808.

Under k.s.a. chapter 12-4119, the municipal court is allowed to contract a collection agency for no more than 33 percent of original principal which I completely agree with. I am willing to pay the principal and collections fees, but not the thousands of dollars in intrest which CBK has absolutely no authorization to collect by their contract or any Kansas law. They are currently sueing me and trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
I noticed a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on XXXX website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that XXXX was reporting a high balance of {$0.00} and transunion was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on transunion & XXXX is reporting a {$0.00} balance.. Also Transunion is reporting the open date as XX/XX/XXXX but XXXX is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX XXXX doesnt have a closed date

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 2021-09-28 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: MD

Complaint narrative:
Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

1. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

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 2021-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All ( 3 ) major credit bureaus : XXXX  Equifax and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.

Company response to consumer: Closed with explanation