vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: IL

Complaint narrative:
Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Experian again went silent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX  File Number : XXXX Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
The Original open date is XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$2300.00}. Then the amount was changed in XX/XX/XXXX to {$2300.00}. 
This account is not mine. I have not been a patient at XXXX XXXX XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a Bank of America Credit card which was fully paid off which I didn't use for approximately 8 months. This was back in XXXX. I hadn't been using the card and it had a {$0.00} balance so I just kept it in my safe at home. Unbeknownst to me, there were fraudulent transactions on the card for measly amounts of {$15.00} and {$20.00}. I was never alerted of this by Bank of American and I never received any statements or mail on this matter and I thought the balance was at {$0.00}. The only time I found out was 6 months later when it finally reported on my credit Report and showed that I had 3 missed payments which is impossible. It showed the missed payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I called and tried to explain to Bank of America to no avail. I paid the late fee and the full balance amount as soon as I found out about it. I have been fighting with Bank of America through several other credit repair companies and there had been no avail. I am extremely diligent and have never missed a payment with any other creditor or any other credit card company. It only happened this one time because my card was fraudulently charged and I have been trying to get this off of my credit report since XX/XX/XXXX when I found out about 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 monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a Auto Loan with XXXX XXXX XXXX ( Balance {$31000.00} original Loan {$36000.00} ) It was removed from my credit report and I wish to have the auto loan reporting again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was sold to New Rez LLC. In XXXX I switched banks and tried to update my checking account details for my autopay, which was carried over from the previous company. There is no way to cancel the autopay on their website. I have contacted New Rez MULTIPLE times trying to get the autopay cancelled. I told them they no longer have my permission to withdraw funds from my checking account. I set up automatic bill pay from my new checking account and paid the mortgage the week before it was due, but they still took the autopay from my old account despite my notifying them more than a month in advance. I spoke with them last week and was told they had cancelled the autopay and were refunding the extra payment, but they have not refunded it and when I log in I still see the autopay set up with the old checking account information. They owe me {$1000.00} that was taken from my account after it had already been paid, and I want my checking account information completely removed from their system, with the autopay cancelled. I am furious with the ineptitude of this company and will NEVER trust them with my checking account information again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
I have an account on credit for XXXX  $ showing delinquent and reported on XX/XX/2019 from Trident Asset Management collection from XXXX XXXX   XXXX say my account has been open for 4 years and I have never had an account with them. I have never really had any credit so I know for a fact I do not have a delinquent account of XXXX  $ with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: AL

Complaint narrative:
My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX  police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX  XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate General Counsel EQUIFAX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX   XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX credit central {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX   XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: AL

Complaint narrative:
My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and Associate General Counsel XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement EXPERIAN XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... ..XXXX   XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XXXX or XXXX nothing with years of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened checking account online with citizens bank. The initial deposit check was sent from my XXXX XXXX to citizens bank fulfilment center. That check was deposited XX/XX/XXXX Citizens bank has this {$8000.00} deposit on hold until XX/XX/XXXX. I have called citizens bank and visited the XXXX XXXX branch. I am getting a run around with no clear solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a letter attempting to collect over {$900.00} in fees on a fix it ticket that was " owner responsibility '' I do not own the car. I'm also not sure how those fees would've accumulated, the case number I was given doesn't exist in the court system. I sent them a letter stating I do not own the car, my name is not on it, and I am not responsible for the ticket yet they continue to send me monthly letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: NC

Complaint narrative:
I received a company of my credit report today XX/XX/2019 in viewing the report I found that several items previously DISPUTED and REMOVED have been added back to my report I have attached copy of the previous CFPB dispute results were Equifax noted several times to have deleted the incorrect and negative information ... .I did not receive any notice of Equifax reapplying the accounts to my file ... the accounts in question are XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Please see attached previous communication in regards to this accounts Also credit Bureau has added previously disputed addresses back to my credit file I DO NOT and have not lived at the address and need them and as associated account REMOVED as I was previously disputed them as well Addresses in question are XXXX XXXX XXXX XXXX N.C. XXXX, XXXX XXXX  XXXX   XXXX N.C. XXXX and XXXX XXXX XXXX N.C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX  for car insurance not XXXX  and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to secure a loan with my XXXX XXXX XXXX XXXX ( XXXX ), whom I've been banking with for well over 20 years, and have secured two separate loans between XXXX - XXXX which have been completely paid off years ago. 

After submitting my loan application via the telephone, I was informed that EQUIFAX has a freeze on my credit information, so my loan was denied. Naturally by having a hard inquiry done, my current credit score dropped approximately 40 points. 
The XXXX Representative, provided me with EQUIFAX 's phone number, and suggested I contact them to find out why there was or is a freeze on my account, which I did. 

I called EQUIFAX, and found out that somehow, they had me listed with the incorrect date of birth, and my name was missing my middle initial. After a short tirade by me over how that could be, when I've already have secured two different loans, and received a credit card all within the past 10 years, that all of a sudden, my personal information appears wrong in their system, which is negatively affecting my ability to receive any future loans. 

The gentleman i spoke with, stated that he was correcting the DOB information as we spoke, and that if I wanted to have corrections made to how my name appears, that I would need to send them copies of my DMV license and social security card information. ( I'm not comfortable sending that type of information about myself whether it's by FAX, or US Postal Service ) I was given a confirmation number from EQUIFAX ( XXXX ), and was told or assured that it was done and that I should have no further issues, and that my credit report had no freeze attached to it, and that I should reapply for the loan, with better results. 

I contacted XXXX again on XX/XX/XXXX, about 5 minuets after speaking with EQUIFAX, and informed them what the problems were, and they shaoud be fixed at that time. Another loan application was done, and another hard inquiry was done, and around XXXX XXXX, XXXX XX/XX/XXXX being that I wasn't notified earlier about my loan status, I was told that there was still a freeze on my credit from EQUIFAX, so my loan was again denied.. 

Obviously, I'm not happy about any of this, and I need help in getting this rectified. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ... ..XXXX XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XX/XX/XXXX or XX/XX/XXXX nothing with years of XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XX/XX/XXXX : I mailed in six {$500.00} money orders ( total {$3000.00} ) to Rushmore Loan Services as additional principal payment. 

XX/XX/XXXX : Rushmore received my additional principal payment of {$3000.00}. 

XX/XX/XXXX : Rushmore claimed a portion ( {$500.00} ) of my funds was rejected but refused to return my money order. 

XX/XX/XXXX : After complaining to XXXX, Rushmore found the missing funds and apologized for mishandling my funds and credited my account with that {$500.00}. 

XX/XX/XXXX : XXXX case closed. 

XX/XX/XXXX : Rushmore then immediately removed {$500.00} from my account. 

XX/XX/XXXX : Called Rushmore and left message to customer services supervisor who I worked with all this time, but never return my call. 

XX/XX/XXXX : Called Rushmore and this time I spoke to a different manager and he seems knowing the problem and told me to call me back with two hrs. 

XX/XX/XXXX : No call back as of this date .... and my problem is never resolved ... and I'm tire of dealing with them, and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX. 

XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.

Company response to consumer: Closed with non-monetary relief