vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I open a new account with XXXX XXXX in XX/XX/XXXX and has made over Four payment which has not been reported to the credit report bureau. 

XXXX XXXX are not reporting accuracy information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CT

Complaint narrative:
There is a credit inquiry being reported against me from XX/XX/2019 from XXXX XXXX XXXX XXXX  that I did not authorize with Equifax. I entered a dispute on XX/XX/XXXX as soon as I saw it and received an email back today, XX/XX/XXXX saying it was completed. When I called them for additional information they told me they have it as disputed but I need to contact the company who authorized the credit check to have them write a note to remove the credit check. When I called XXXX XXXX XXXX XXXX today, XX/XX/XXXX ( the company who authorized the credit check ), they told me they do not know how to help me. I am going around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I do not owe this debt. 


Account Name SOUTHERN CREDIT RECOVERY Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$260.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$260.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I currently have a dozen ( 12 ) collection reporting only to Equifax with no creditor data attached to them. I believe these may have been old medical bills which have long since been paid and should never have been reported as collections. Since I have no creditor information for any of these accounts I am unable to verify anything about these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac mortagage is my current loan company for mortgage. They ran escrow analysis and as if XX/XX/2019 they are charging me for double insurance and there are 2200 in payments they are not including in my escrow account causing my mortgage payment to sky rocket from 1600 to 2200. I called several times and they told me a refund was pending, however, I called in XX/XX/2019 and no body helped including supervisors throwing me as responsible for payments that I made for insurance but that they are not putting into escrow. I'm being over charged and this is abusive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
Sent off a debit validation letter so that the collection company can validate what they are showing on my credit they have failed to provide information that I have asked for they have 30 days to provide me that information Letter was sent off on XX/XX/2019* Professional Bureau of Collections Tracking with USPS:XXXX Letter was Delivered : XX/XX/2019 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, XXXX XXXX, and Equifax. In XX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XX/XX/XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX XXXX. I was moved out on the XX/XX/XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that's reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ). 

I am disputing Synchrony Bank Walmart - Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3700.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3100.00}

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CO

Complaint narrative:
This debt was originally with a different company. I provided a police report proving identity theft. Now the debt is transferred to new company. This is unethical and I feel should be agent the law,. I provided prof and this is not my phone. My purse was stolen with ID ans social security cards back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email regarding a purchase confirmation on my XXXX account. I di not make this purchase so I immediately looked at my checking account with Regions Bank and saw this charge as well as two charges to XXXX for purchases that I did not make. I called my bank and notified them that my card and accounts had been compromised. At this point, only one transaction had cleared and two were still pending. They opened a dispute for the charge to XXXX that had cleared but told me that I must wait until the two pending charges had cleared before I could open a dispute for those two. On XX/XX/XXXX I was charged an NSF OD fee of {$72.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$180.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$36.00} and on XX/XX/XXXX a paid overdraft fee of {$140.00}. All these charges were a result of the pending fraudulent charges on my account because my previous made charges were coming through while these pending amounts were still there. I contacted XXXX who was able to refund one of the charges on XX/XX/XXXX ( 6 days after the charge was made ) On XX/XX/XXXX I was able to dispute the two charges that had been pending for 5 days as they had now cleared. I contacted my bank again to dispute these charges. I received notice from my bank on XX/XX/XXXX that they did not find the first charge to XXXX fraudulent. I faxed in a login history for my XXXX account showing login attempts in XXXX, XXXX, California, and several attempts to change my password. I then received notice from Regions Bank that they would not refund the two fraudulent XXXX charges even though I sent in the order confirmations where the hacker was ordering mattresses and shipping them all over the united states because they said XXXX refunded them to me. XXXX refunded one charge only but this was 6 days later. I visited my local branch on XX/XX/XXXX and explained what ws going on and provided all documents supporting. The branch employee told me that everything is done through a computer system and that is likely why it was denied. I have not heard anything since. I am now out {$640.00} betwen the thieves online and the thief, Regions Bank. I should not be charged {$430.00} in NSF overdraft fees from my bank that were a result of identity theft. I am the victim! I have contacted the XXXX Police Department to file a report but was told I would need an affidavit from my bank. PLEASE HELP!

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 2019-07-09 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: TN

Complaint narrative:
Transunion is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account was opened in 2010 and it has been ( 7 ) years from the date of last activity. This inaccurate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. This trade line item needs to be removed from my credit report.

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
this is a garnishment from XX/XX/XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XX/XX/XXXX the judgment was filed XX/XX/XXXX the issue or matter was with XXXX XXXX  which is now XXXX XXXX XXXX and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is 13 years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing because of a XXXX account with capital one XXXX. acct # XXXX I have never owned a car, and it was brought to my attention my husbands account was on my credit report. The account was charged off over XXXX years ago meaning capital one received full credit or tax credit, discharging the account. I have reached out to capital one to ask them to stop violating the fair credit reporting act by not validating the alleged debt as requested. Capital one needs to remove this account from my credit report. I'm in possession of the XXXX Prospectus for Capital One XXXX  Finance Trust. As we are all aware capital one does not, and did not lend money to me or any other customers. 

Remedy please have this company comply with the fair credit reporting act which requires all information to be 100 % accurate on my credit report. I want all reporting of the false debt remove from all my credit history. 

Warning deprivation of rights under XXXX of law is a crime. title 18 section 241 242 and title 42 section 14141

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
My name is XXXX XXXX my SS # XXXX my DOB id XX/XX/XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
loan care mortgage took over my loan from XXXX on appx. XX/XX/12019 since then i have had nothing but problems with them. newest problem is they lost my payment of XXXX i sent to them on XX/XX/XXXX cashiers check to exact address they said. now they said i sent to a p.o. box in wrong state. I cant get a hold of them .you wait over hour to talk to a totally uniformed agent, who will hang up on you as soon as you ask a question they cant answer. i am XXXX years old and worried they are trying to steal my home. please help.

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 2019-07-09 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XXXX/XXXX/1019 Tower Loan did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.

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 2019-07-09 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: FL

Complaint narrative:
I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, Trans Union, and XXXX. In XXXX ofXX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the 3rd which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

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 2019-07-09 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: FL

Complaint narrative:
I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to Experian, XXXX XXXX, and XXXX. In XX/XX/2014I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

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