vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: TX

Complaint narrative:
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. The only thing that I keep receiving back is that the account has been verified which is not the truth because this account does not belong to me.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchase a XXXX TV in XX/XX/2016 with chase sapphire reserve. Chase Sapphire reserve has a purchase protection plan which covers Eligible personal property that has been damaged, stolen, or involuntary and accidental parting with property within 120 days from the date of purchase. 

We found the problem with TV about XX/XX/XXXX. We chatted with XXXX and they asked us to ship the TV to their shop. For the cost and inconvenience, we decide to use purchase protection. We called chase and was referred to the one of department. The department asked us to ask a repair shop to estimate the cost of repair. I asked a shop to come by to do the investigation. After checking, they stated 'Can not find the part in XXXX ' and charged me about {$160.00} for investigation. I submitted the report to chase. They reimbursed {$160.00}. I did not get the payment so I called back and was told my case was closed. It looks like they messed up the investigation cost and repair cost but refused to admit their mistake. I chatted with some people in Chase but they still refused to reopen the case and said I should use my own warranty and it is not covered by purchase protection. 

I can not understand, if it is not covered by purchase protection, 1. Why they asked me to do estimation from repair shop 2. Why they would reimburse the investigation cost I opened a case with XXXX but no luck. I happened to know CFPB so I opened a new case and hopefully it will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: AL

Complaint narrative:
XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented. 
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter via certified mail requesting Experian to look into accounts that where reporting inaccurately on my credit report. On XX/XX/XXXX I received a response letter stating these accounts were updated. 
Using their credit report that was sent to me by Experian, I went through each account that was reporting incorrectly. 

I asked Experian to please investigate the accounts listed in the dispute. They only looked at one which is listed below : XXXX/XXXX XXXX - was not late on the date showed on report However Experian didnt even do an investigation. The only thing that was done was update the comments of the date it was last updated. This is not an investigation. Experian is completely disregarding the law. 

Experian also completely ignored my request to investigate the following with my initial request of their method of investigation proving the accounts below belong on my credit report in its current state : XXXX/XXXX - was not late on the date showed on report XXXX XXXX/XXXX - not reporting pay history showing that I was never late 6 different XXXX XXXX XXXX accounts - was not late on the date showed on report XXXX/XXXX - was not late on the date showed on report XXXX XXXX - was not late on the date showed on report XXXX  XXXX/XXXX XXXX  - was not late on the date showed on report XXXX XXXX XXXX - was not late on the date showed on report I have tried reaching out to Experian for an investigation. A reinvestigation, and the method of their investigation to prove they are investigating. It has been over 60 days and Experian is choosing to violate my rights and ignoring their requirements by the FCRA. 

Experian can not report information that is incorrect on my profile. As of now, I am doing everything I can before seeking out legal aid. I hope this could help me. 

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 non-monetary relief
Consumer complaint received 2019-01-31 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: NH

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.

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 2019-01-31 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: NH

Complaint narrative:
National Credit Cards/Airlines Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.

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 2019-01-31 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: NH

Complaint narrative:
XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} I have never done business with 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Student Loan Debt Agency
State: MO

Complaint narrative:
Have debts on credit report that have been written off and charged more than once.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31 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: Mitsubishi Motors North America, Inc.
State: FL

Complaint narrative:
My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX  XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. 

The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. 

The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).

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 2019-01-31 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: VW Credit
State: TX

Complaint narrative:
In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX  and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment. 

My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off. 

I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''. 

This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TCF NATIONAL BANK
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Sent {$150.00} using XXXX ( Chase XXXX with XXXX to a person I was supposedly buying concert tickets from. 
They gave me their name and email. 

XXXX XXXX email : XXXX within minutes of the transfer I suspected fraud and called Chase right away. They said there was nothing they could do and don't even know who the money went to or where. 

Chase was no help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I told these people by phone, not to call me ever again about three months ago. I also reminded them of the law that makes it illegal to repeatedly call and harass, after they have been told to stop. They asked me to send them a signed, written notification, which I did. I told them I was aware of the debt and would start paying as soon as I could. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has fraudulently allowed XXXX XXXX XXXX XXXX to report negative information on my credit report. I have filed a complaint with the FTC and the law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 11 XXXX   XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. 

I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. 

I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 explanation