vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ONLINE INFORMATION SERVICES # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to ONLINE INFORMATION SERVICES # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
The following collection agencies are reporting a collection accounts on my credit report with XXXX, XXXX, and XXXX. I am a resident of the state of Colorado. I sent a request to all three credit bureaus in XX/XX/2020 and to the following companies at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agencies. Subsequently, I discovered that neither of the mentions companies are licensed collection agencies in the State of Colorado. 

They are as follows : Midland Management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX The Bureaus XXXX XXXX XXXX # XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Since XXXX Portfolio Recovery has been attempting to collect {$620.00} on an account I closed over 7 years ago with XXXX XXXX with a XXXX  balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, XXXX XXXX, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with Portfolio Recovery and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL Attorney General 's office regarding this matter. I was told that per law Portfolio Recovery is to provide the following docs to me in writing. 

1. Original Contract between me and XXXX XXXX 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from Portfolio Recovery and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have written six ( 6 ) letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX and XXXX XXXX credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On a monthly basis I regularly pay my Kohls credit card. I physically walk into the store in the city I love to pay the debt. I have 2 issues with this vendor.

1. I get repeated phone calls despite REGULAR payments to this vendor. Kohls is not my friend. Besides my financial relationship with Kohls there is NO other reason for them to contact me. Especially in excess of 40 calls per month! As if I do not promptly and consistently pay this vendor. 

2. It seems my balance is not going down. Despite my monthly payment to this vendor. What I feel is this vendor is attempting to manipulate me, with extremely excessive phone calls, while my balance doesnt appear to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: NY

Complaint narrative:
I currently have a mortgage serviced through Better ( https : //better.com/ ). This is a company in which I've had numerous communications issues and delays getting my mortgage originated, and led to a drawn out 6 month process which was already a bad start. 

Part of my mortgage, which I have never missed a payment on, has an escrow which is supposed to include paying my homeowner 's insurance. This was a mortgage that I have previously had serviced with XXXX XXXX, and had no issues with and the insurance was always paid on time from the escrow account, and the insurance carrier has always been the same. 

On XX/XX/XXXX, I got a notification from my insurance provider that my premium pay wasn't processed by my mortgage lender. The insurance provider has confirmed that it should have been paid from my escrow account, but hasn't. I immediately reached out to the folks at Better, copying the insurance folks as well, asking for this to be resolved. 

They have acknowledge my request on the XXXX, said they are investigating on the XXXX of XXXX, and then silence. I reached back out on the XXXX asking for an update, and got a reply on the XXXX saying they are still looking into it. More silence until the XXXX, when I reached out again, and got more replies on the XXXX and XXXX saying they are still looking into it. 

On the XXXX, I got a notice from XXXX XXXX my insurance carrier ) that my policy will now be canceled on the XXXX due to nonpayment. This still has not come to resolution and I am at risk of losing coverage even though I have making all my payment commitments on time, and typically early. This has been a frustratingly poor experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit. Thank you.

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 2021-02-23 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:
XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
I have reached out to Experian via certified mail twice to dispute collections accounts on my credit report. The first letter was a follow suit letter considering the fact the two accounts in question was deleted from XXXX  and it is my understanding that collection agencies, furnishers, etc.. reports the same information across all three credit bureaus. I asked for documentation to be sent to me via mail if those accounts are accurate on their end but instead I am receiving correspondence via email when I never supplied Experian with an email as a way to communicate with me in regards to disputes I submit via mail. The second letter I sent via certified mail was a method of verification letter since Experian claims the accounts are accurate and yet again they sent correspondence via email but no proof of how these accounts are being verified as requested by mail. I also have proof of receipt of the certified letters and will be more than happy to provide them. Experian is also in violation of the Fair Credit Reporting Act. As a consumer, I have the right to ask for proof of verification on anything I dispute from my credit report that they say is accurate. This is also my second time filing a complaint since my first complaint stated that Experian did not recognize me as a customer per ID # 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 2021-02-23 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: GA

Complaint narrative:
XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : I received a letter from a debt collector dated, XX/XX/XXXX, XXXXHowever. I just recive it, today, XX/XX/2021. I am disputing the debt collector do to an unknown credit card that is not mine and does not belongs to me. I call the debt collector and I spoke with one of the representatives and told him that there is an error and a mistake in there behave, because, I never had a credit card with : XXXX XXXX The mail representative Harras me and Thretening me saying that the unknown credit card is mine. I told him to STOP HARRASSING ME, AND I TOLD HIM TO STOP USING VULGAR LANGUAGE. I also told the debt collector to send me. 1 ) An original application to see who file the unknown credit card. 2 ) I need all the statements in relation to this unknown credit card. 3 ) I need all the receives, places dates of purchases and signatures on all the bills or receives. 4 ) The debt collector needs to STOP calling me also. If he needs anything must be in writing and mailed to my Lawyers. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted American Express Serve at XXXX to report Fraud on my card. I spoke with a representative who said that the department that handles fraud is now closed and I must call back at XXXX. At that time there were 2 fraud charges. When I called at XXXX there were now 2 more charges. I reported the fraud and was able to save my last {$500.00} that was on my card. And requested a new card. 
I received an email stating without any explanation that my fraud dispute was denied. I am writing to appeal this denial in the amount of {$1400.00}. We are in a global pandemic and I was recently laid off due to covid-19, and the money that was stolen was my last paycheck. I am in desperate need of my money. I had attached the Fraud form several times, appealed 3 times and was denied each time.

I am certain that there are cameras on the dates of the transactions. I have not been given a reason except I do not have enough information to prove that it is fraud. My account has been compromised yet I am responsible to prove this. How? Check the time, date and location of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: DE

Complaint narrative:
I entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services was sent a notarized notice Pursuant to the Fair Debt Collection Practices Act as defined under 15 usc 1692g. Pursuant to GAAP ( Generally Accepted Accounting Principles ) Mercedes Benz Financial Services must prove that money left their account if they gave a loan.

Mercedes Benz Financial Services continued communicating violating 15 usc 1692b. ( 2 ) ( 5 ), 15 usc 1962d ( 1 ), and 15 usc 1962f ( 8 ) as defined. After such communication, I communicated with Mercedes Benz Financial Services as defined under 15 usc 1692c. ( c ) 2. On XX/XX/XXXXat XXXX, Mercedes Benz Financial Services further took action violating 15 usc 1962f ( 6 ) ( A ) ( B ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
Every month stemming back from XX/XX/XXXX through XX/XX/XXXX, I have called to report that the account information, specifically late payments reported during these month, are inaccurate and in violation of the CARES Act and US Fair Credit Act. Additionally, the account status is also being reported incorrectly as closed. These multiple accounts are open and in repayment program.

My credit has dropped almost 200 points. I was told by serval supervisors at US Dept of Ed that they are aware of the problem and that I am on a list yet the problem remains. I have exhausted the dispute option. I am no longer able to dispute with credit bureaus as I have filed the same dispute multiple times with all three credit bureaus ( XXXX, Experian and XXXX ). Every month, US Dept of Ed verifies that the late payments for XX/XX/XXXX through XXXX XXXX are accurate even though representatives confirm it is not. In XXXX, the same will happen. 

How is a US Gov't student loan able to violate US federal laws?

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: MO

Complaint narrative:
When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify. 

I met the requirements but the bonus has not been paid.

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 2021-02-23 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: TX

Complaint narrative:
Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.

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 2021-02-23 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: TX

Complaint narrative:
Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CL Holdings LLC
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation