vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 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: WV

Complaint narrative:
I contacted XXXX XXXX XXXX about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX  found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with equifax and on or around XXXX/XXXX/19 the accounts was removed from equifax please see attached picture. On XXXX/XXXX/19 I checked my credit report and both accounts were back on equifax. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with equifax on XXXX/XXXX/19. The representative had no answer to why. I have asked XXXX XXXX to provide 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. Under law XXXX XXXX is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: Phoenix Financial Services LLC
State: WV

Complaint narrative:
I contacted Phoenix financial services about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with XXXX and on or around XX/XX/19 the accounts was removed from XXXX  please see attached picture. On XX/XX/19 I checked my credit report and both accounts were back on XXXX. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with XXXX  on XX/XX/19. The representative had no answer to why. I have asked phoenix financial to provide 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. Under law phoenix financial is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent dispute letter to Experian on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Experian on XX/XX/2019. In return Experian sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to Experian on XX/XX/2019. Experian received this notice on XX/XX/2019. Experian sent a letter stating that I needed to do my own method of verification. However being that this company validated debt on my credit profile that did not belong to me, they are the ones who are responsible for furnishing information on how they were able to validate said 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 non-monetary relief
Consumer complaint received 2019-05-12 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : southern management systems Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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:
I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.

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 2019-05-12 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: FL

Complaint narrative:
I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.

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 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: DE

Complaint narrative:
Received debt notification for debt I don't owe. Threat of interest, late and other charges as well as credit reporting. Address and phone contact info is incorrect. Creditor is XXXX  XXXX?????? 

This has to be just one more scam honest Americans are subjected to daily. Please help. Creditor No. XXXX, Collection Bureau of America. Internet search found this a disreputable company. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Regarding Statebridge Company - My mortgage was sold to Statebridge a few years ago. Since online payments can not be processed without a fee, I have set up automatic payments through XXXX Bill Pay - these payments occur automatically monthly. My XX/XX/2019 payment ( sent on XX/XX/2019 XXXX XXXX EST ) was rejected because, apparently, Statebridge changed their mailing address and they therefore were not able to received my timely payment. This rejection only showed on my XXXX  account on XX/XX/2019 XXXX XXXX EDT.

I received a few phone calls from Statebridge to my home - they called in XX/XX/XXXX to tell me of this error and that they will waive any late fee and will not report to the credit agencies due to their error. In addition - I received a letter stating the same. I subsequently made two payments to Statebridge as my XX/XX/XXXX payment was already due - the payments were sent on XX/XX/2019 XXXX XXXX EDT and they arrived to Statebridge on XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I sent my XX/XX/XXXX payment which arrived XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I received a credit alert stating that I have a " new alert '' - " Missed payment - Statebridge Company ''. My first ever missed payment on my credit report AND I DID NOT MISS ANY PAYMENTS!!!!

I have had many issues in the past with Statebridge but this one is absolutely unacceptable.

I demand the Government take action to shut down this scam company! The reports online are clear evidence that they must be shut down immediately before causing more financial ruin!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by Portfo! I'm  Recovery for whatever reason. Portfolio Recovery are ghouls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: MD

Complaint narrative:
Hi, I have several issues with Transunion but the most recent Im very hindered by. Transunion is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through XXXX XXXX for XXXX XXXX  and said I was approved for a XXXX  XXXX  XXXX  cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and Transunion has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!

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 2019-05-12 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:
This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX   XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

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 2019-05-12 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: TX

Complaint narrative:
I sent dispute letter to Transunion on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Transunion on XX/XX/2019. In return TransUnion sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to TransUnion on XX/XX/2019. TransUnion received this notice on XX/XX/2019. TransUnion has yet to respond to my request for method of verification.

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 2019-05-12 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: Credit Karma, LLC
State: MD

Complaint narrative:
Hi, I have several issues with XXXX but the most recent Im very hindered by. XXXX is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through Credit Karma for XXXX XXXX  and said I was approved for a XXXX Credit Card cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and XXXX has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by XXXX! I'm XXXX for whatever reason. XXXX XXXX are ghouls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX I applied for a loan modification. Following the tr oak procedure i was told the y would be withholding a mo XXXX  's payment and it could possibly show up as a late payment but it could be explained and fixed. And besides it would go away after 12 months on my credit report. No matter i made the payments anyways received the modification and my credit was fine. When it showed up as a late payment i had Ocwen Mortgage contact the credit bureaus. They fixed it and the payments showed up as current and my payment history was 100 %. In XX/XX/XXXX XXXX XXXX took over my mortgage. When this happened Ocw an closed out my mortgage with showing up a LATE mortgage payment AGAIN for XX/XX/XXXX! This has also happened in XX/XX/XXXX when Ocwen took over our mortgage from XXXX!! This is WRONG and I want it fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a financial account set up on https : //paypal.com, from Paypal Holdings Inc . I recieved a refund of XXXX USD and XXXX USD tax from an XXXX  seller. However, around that time, Paypal unnecessarily put a limit on my account. This stopped me from adding or withdrawing funds from my balance, in total XXXX USD. I spoke to Paypal customer support, who informed me that I needed to provide verification, such as my social security number or address. I do not wish to give them this information, and I want to close my Paypal account and retrieve the balance. However, they have denied me this, and will not refund the amount or return my account to its normal status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation