vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Theres been a miss communication on my credit that I gotten few years ago. Basically they have no evidence I lived in this apartment and they keep updated it on my credit. I told the apartment people and they said they were going to take it off but they never did.

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 2021-02-04 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019XXXX XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
for the last 6 months I have been told that I need to contact the creditor as they may not know how to contact me, I have contacted all the creditors and they can not find the information that is being report nor an account and they tell me to go to the credit reporting agency the credit reporting agency keeps sending me back the creditor does not have my contact info. 

I have provided documents to include police reports and ftc reports still same thing

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 2021-02-04 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: WV

Complaint narrative:
XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached XXXX report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.

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 2021-02-04 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: WV

Complaint narrative:
XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached Experian report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.

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 2021-02-04 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: HI

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. I've been trying to submit my disputes to the credit bureaus but they seem to be ignoring my complaints.

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 2021-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have co-sign for a vehicle for some one and the person ran off i called credit Acceptance and explain to them on what's going on they ignore my complaint they have not take any action that i ask of them for but still they still harassing me about they money this matter been going on for 2 years now my credit is getting screwed i can't move on with my life it's stopping me from getting a mortgage and an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: South River Mortgage, LLC
State: AZ

Complaint narrative:
I am in the reverse mortgage business and have a reverse mortgage on my own home. I was scared when I received the attached letter stating my reverse mortgage had " expired '' ... what happened I thought to myself. Upon reading the letter and confirming with my son who is a Certified Reverse Mortgage Professional ... I realized it was a solicitation for me to call about a refinance. I think this letter is too shocking to send out to seniors who have a reverse mortgage. It causes anxiety and and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
My previous compliant # XXXX. I transferred money, MoneyGram reference XXXX, back in XXXX to my cousin 's son. I have tried contacting Money Gram numerous times to get the documentation they are basing their determination that the funds were transferred successfully. I even told them today that according to their response to CFPB, I can request the documentation they are using to make their determination. They will not provide it to me. They tell me they have to file a compliant, which I just filed one again today, XX/XX/21, case XXXX and someone will email me. No one ever emails back. It's been a vicious cycle and we have been dealing with this since XXXX. At this point, I would like the documentation showing the successful transfer of the funds to my cousin 's son 's bank account so that he can go to his bank and provide them proof and get his money. 
This has been a horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
I have an escrow account that is set up to pay my property taxes. Property taxes in Wisconsin can be paid in two installments, with the first installment due on XX/XX/XXXX of each year and the second installment due on XX/XX/XXXX. 

I contacted my lender by email on XX/XX/XXXX. Since my loan had recently closed on XX/XX/XXXX, I wanted to be certain that the first installment of property taxes would be paid. The representative assured me that property taxes are paid by the due date. 

I contacted my lender again through their messaging system on XX/XX/XXXX since I could see in my escrow history online that the property tax amount had not been disbursed from my escrow account. I also contacted my lender by phone on XX/XX/XXXX. Both times I was advised to send an email to a " delinquent tax '' email address. I emailed on XX/XX/XXXX. 

Today is XX/XX/XXXX. I have not received a response from the " delinquent tax '' email address, nor have I seen the property taxes disbursed from my escrow account and I can see on the county 's property tax website that the taxes have not been paid. The property taxes were due 4 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I contacted this creditor ( Convergent Outsourcing ) on XX/XX/XXXX via certified mail ( tracking info XXXX ) Explaining that they need to verify that this debt belongs to me and the only thing they sent me was a old bill which doesn't meet the standards of verifying the debit. I never had an account with XXXX and also didn't recognize the phone number on the account. They failed to show proper evidence bearing my signature and they are reporting negative late payments on my credit report which is not allowing me to get approved with lenders. I sent another certified letter stating that a bill does not prove this account is mine and now they haven't responded and its been over 30 days. Letter sent certified and delivered on XX/XX/XXXX. ( Tracking info ( trackingID XXXX ) I sent another Certified letter on XX/XX/XXXX but I feel they will not respond due to their prior actions so I decided to go ahead and file a complaint. This is the only negative item that is on my XXXX and XXXX that is holding myself and my family back and I really don't appreciate them violating the law and continue to ignore my request. This is inaccurate information being reported and needs to stop immediately.

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 2021-02-04 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: Westlake Services, LLC
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020 XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020 XXXXWESTLAKE FINANC add a hard inquiry on my credit reports. 
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
XXXX/XXXX flagged my Experian credit report as a serious delinquency as a Charge-off when I am current paid as agreed never late. I barely use this credit card and make all payments monthly as agreed. Why is this company reporting a serious charge-off over 120 days to my Experian report when I make all payments as agreed? This is an FCRA violation and needs to be investigated. More importantly, I am unable to dispute this status with Experian because I am not late and account is paid as agreed at the same time of serious delquency 120 day charge off flagging so dispute process will not allow it.

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 2021-02-04 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I filed a complaint on Select Portfolio Servicing in XXXX of XXXX because I was not receiving my monthly statements on time. In XXXX I received my monthly statement on XX/XX/XXXX and in XXXX I received my monthly statement on XX/XX/XXXX. I called and complained, I did finally receive copies, but the font size was so small it was unreadable. After I filled a complaint my credit score went down 76 points. I did not choose Select Portfolio Servicing Inc., XXXX XXXX sold my loan to Select Portfolio Servicing. The complaints I have have read on this company is a tell, tell sign of what I am experiencing. When I called in XXXX a customer service rep. told me that XXXX XXXX owns my loan. I have not been able to confirm that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NC

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I was contacted by this collection agency who stated that if I paid the outstanding balance I had with their office that they would notify all the credit bureaus to remove the collection account from all of my reports. I have paid the balance and they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CORELOGIC INC
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Syncb/Amazon Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

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