vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I tried disputing several addresses on my credit file that don't belong to me. There's an address belonging to my parents that I've transferred my mail to in the past while I was in the process of selling my home and moving to my new home. I have never lived or applied for credit at any of the address, however, they will not allow me to dispute or remove them.

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 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have received harassing letters from PHH Mortgage, almost weekly since XX/XX/XXXX, stating I owed money for insurance in an escrow account I do not have. I pay mu own insurance and taxes separately, I have on numerous times given the mortgage company my insurance policy information. I have called numerous times to work this out, no one wants to help or resolve this, they just continue to send me the same letters over and over, and now I have 2 letters of intent to foreclose. I don't know what to do. they have even tapped my credit twice, XXXX and in XXXX. I have given them everything they have requested. I am getting no where with them, same story month after month. I just want this to be cleared up and my credit fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MD

Complaint narrative:
I originally took out this loan due being short on the rent because my daughter lost her job the amount of the loan was 450.00 after making several payments I call to check the balance which I have paid around 1200.00 or a little over I was informed to go to the website only to find out the interest is 549.99 % I will be paying back something like 4500.oo on 450.00 is this constitutional or even legal I must have been delusional when I agree to these terms there's no way in the world I would pay this kind of money back on {$450.00} nor can I afford to currently I am XXXX and using a PO box and living from place to place whoever let me spend the night plus I have health issues I'm on XXXX XXXX I can't afford this therefore I have instructed the bank to stop allowing the withdrawals from my account I would greatly appreciate any type of assistance that I could get in this matter I originally l borrowed {$450.00} I've already given them {$1200.00} back I think that's more than fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Recently, I retrieved my credit report from all 3 bureaus. To my dismay, a company by the name of Midland Credit Management was listed there as a collections, for {XXXX}. Not aware for what this collection was I immediately disputed with the 3 bureaus as well as with the Midland Credit Management company. As outlined under the The Fair Debt Collection Practices Act I requested a Validation of debts to include a statement and/or signed contract. In response, I received notice that the debt had been validated as accurate from the bureaus and an offer for settlement from Midland. They ignored my request to substantiate their reporting. The FTC states on their website that with such request the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. https : //XXXX.XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX, yet all I have received is numerous offers to settle an erroneous debt while they continued to report this derogatory tradeline. 

It's evident Midland is not able to substantiate their derogatory report in association with my name. However I am open to giving them one last attempt to physically substantiate the erroneous reporting or promptly delete such reporting information as the FCRA and FTC instructs. The reported inaccuracies are damaging and impedes my rightful ability to gain financing with fair and responsible terms. 
Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: ME

Complaint narrative:
Penn Credit Cor phone numberXXXX.Continues two Robotic call me regarding a debt I have nothing to do with or Know about.They call all different times of Day.I 'm physically XXXX with mobility problems.THANK-YOU for helping these annoying calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a alert on my Transunion Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a alert on my XXXX Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response Equifax has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XXXX XXXX,2019 I applied for credit with XXXX XXXX and received an alert from XXXX stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that Money lion reported my account as closed with a 30 day late XXXX 2019. I contacted money lion customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XXXX/XXXX/2019. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX,2019, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with money lion. As of XXXX/XXXX/2019 not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my XXXX credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD SERVICES This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {$610.00} Reported balance OpenedOct XXXX, XXXX ( 14 yrs, 8 mos ) The balance is paid in full-letter attached from the Chase ... Company contacted every month on the XXXX and XXXX since XXXX requesting deletion of the {$610.00}. 

The law states after 7 years a deletion of the listing is required by the company ... XXXX to XXXX is well over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
KLS has reported a medical bill on my report for {$75.00}. According to the Fair Debt Collection Practices Act, I am supposed to receive a notice of my right to dispute, prior to this collection agency reporting this bill on my report. I never had a chance to protest the validity of this debt ( which I would have ), prior to its appearance and damage done to my credit profile. This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
ATTENTION REGARDING XX/XX/2018 THIRD PARTY REIMBURSEMENT transaction on my XXXX sole account XXXX XXXX XXXX XXXX XXXX XXXX nd  XXXX XXXX bank OF America allowed a third party the capability of accessing my account without my permission or knowledge. 
I just got hung up on by XXXX at XXXX boa customer service while being placed on hold for 25 minutes. then I was told she could not access my 2018 info and then I asked her again to tell me WHO IT WAS THAT BOA let have third party access to my account. She said she did not know and hung up on me XXXX XXXX and Mr XXXX of boa regulatory admit to the third party transaction but brush it off as it WAS only {$15.00} .... 
Mr XXXX XXXX and XXXX XXXX and XXXX XXXX were advised numerous times that I needed the third party info but to date will not disclose the info. 
I still have not found out who transferred my life savings and settlement monies but knowing who bank of America let have third party access to make any type of transaction to my own sole account is certainly helpful

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


EQUIFAX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX  Account Number : XXXX, Account Number : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/2016, {$1300.00}, I try writing to company and credit bureaus stating I have no acknowledge of this debt also I kindly asking them to remove it off my credit.

Company response to consumer: Closed with non-monetary relief