vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 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: CB1, Inc.
State: MT

Complaint narrative:
This collection agency is reporting bad debt on my credit reports. Cbb collections XXXX XXXX XXXX XXXX XXXX XXXX  MT ( XXXX ) XXXX. XX/XX/XXXX {$190.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$92.00}. the company refuses to provide documents or proof. They only say pay it. It is not my bill and if and or it is somehow they have divided it into 4 different claims to intimidate me to just give th money I didn't my have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

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 2020-03-07 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: ID Analytics, Inc.
State: CA

Complaint narrative:
SageStream , LLC on XX/XX/2020 shows that my credit report had to many inquiries along with a multitude of other things in my credit score that just aren't true. The list includes : Unacceptable account history. 
Unacceptable credit history. 
Insufficient credit references. 
Limited credit experience. 
Number of recent inquiries. 
They also ran my credit without my permission but that is another case that's pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Freedom Mortgage effective XX/XX/2020. My final escrow balance from XXXX XXXX was {$1100.00}. Upon transfer, Freedom shows a negative XXXX. I have been trting to get this corrected since XX/XX/2020. After numerous calls, the problem is still not corrected. I just want my proper amount in my escrow where it belongs. 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 2020-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received a notification from XXXX XXXX that my account balance increased by {$24.00}. It also states my loans have been " deferred. '' My autopay appears to have been canceled because of this. I want to be very clear ... I never authorized these changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent out a dispute letter to Equifax on XX/XX/XXXX and Equifax received the letter on XX/XX/XXXX because the sent it certified mail and the receipt came back. I waited about 40 days till i sent out my following letter which was on XX/XX/XXXX stating that i didnt received a response within 30 days of them receiving the first letter which is a major violation under the FCRA law and they didnt seem to care much for it. They did reply after i sent the following letter to them which i received on the XX/XX/XXXX. All it said was the item was verified. They didnt mention anything about the violation that was cause by them and just ignored it. They didnt even send me proof of the item that was supposedly verified. No original documents or signed documents showing me that the item listed was verified in any way which is another violation and if the item can not be proof verified, the item much me DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC
State: FL

Complaint narrative:
I just received a letter from McCalla Raymer Leibert Pierce , LLC ON XXXX. I took out 2nd mortgage in XXXX, since then I received two modifications. My second mortgage of originally XXXX after making payments reduced to 45k-46k. The balance was put in back of the loan and stayed silent. Now this law firm is asking the balance with fees and interest totaling XXXX as of XXXX XXXX. This firm has not taken any action as of yet. Just trying to collect a misinform debt. My home foreclosure may be their short term goal. 
I did indeed noticed XXXX XXXX XXXX XXXX is not mentioned at all in the letter sent. The original company ( SLS ) in which the money was said to be owed and they would proffit 100 % of the proceeds if successful. I also just looked at my County Court public records and also noticed ( XXXX XXXX ) just filed or added their named along with others on XX/XX/XXXX. 
I am just a XXXX military war vet. trying to survive another year. Now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I attempted to submit a billing dispute because I was over charged by XXXX XXXX in the amount of XXXX and I was unable to complete online and called there customer care # and person over the phone refused to take my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection  agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

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 2020-03-07 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: NJ

Complaint narrative:
I have an account on my credit report named XXXX XXXX XXXX  and for more than six months allready Im disputing this account on XXXX, Transunion and XXXX. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX  had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT TRANSUNION, XXXX  AND XXXX  HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES

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 2020-03-07 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: VA

Complaint narrative:
I am a victim of identity theft. As a result of this happening to me I have had to deal with the aftermath of it for the past 3 years. ImDespite numerous attempts to resolve this matter, Equifax has done nothing but continuously report this fraudulent medical bill on my consumer file. When I contact them they say there is nothing they can do but file another dispute. Equifax has failed to positively verify these fraudulent accounts. And have ignored every attempt Ive made to resolve this matter. Please see attached documents of 2 separate police reports & detectives contact information. Equifaxs willful negligence and repeated violations has caused me emotional stress. Ive had to take off from work to deal with this. Equifax just refuse to do their job and follow the law. XXXX  and XXXX  has removed this and blocked this fraudulent account, however Equifax continues to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2020 I sent {$70.00} to Arinoli Andole ( XXXX ) through PayPal Friends and Family for 2 tickets to Excision at the XXXX XXXX  XXXX in XXXX, CO. I never received the tickets. Before sending money, I asked profusely if she was going to scam me. On XXXX, her name is " XXXX XXXX XXXX ''. She even sent me a screenshot of what was supposed to be a proof of purchase, so I assumed it was fine to send my money over. However, she or he must've digitally edited the screenshot to make it look real. This is the second time I've been scammed and would really like you guys to look into this and refund me in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I approved a chase ink preferred credit in XXXX. which is promotion XXXX points after XXXX spending in 3 months. I do see another offer XXXX points after XXXX spending when I received the credit card. I called customer service they told me I can match this offer when I finish My XXXX qualification. When I done for the qualification at XXXX. I called their customer service again. They changed mind they said I do not qualify this promotion. I used their credit cards and bank account almost 10 years. They are always my trustful bank since this happened. I think they promise this offer, they should honor what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Nationstar Mr Cooper sold my mortgage loan to XXXX. In doing so Mr Cooper did not transfer the full amount I had paid to them for the loan, hence, according to AmeriHome I am at risk of default because I have not paid mortgage fees due XX/XX/2020. I paid those to Mr Cooper on XX/XX/2020, which I can prove using my bank statements and Mr Cooper website statements. The amount paid was {$3600.00} paid on XX/XX/2020. This amount covered the full payment for the month of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
This account was originally created for a cell phone with XXXX. The XXXX network did not work in my house. Because fo this, the phone was returned 1 or 2 weeks later, and this account was paid off and closed. 

This account was paid off and closed within 1 or 2 weeks of being opened. I never used this XXXX account ( or any other XXXX account ) or the phone after this time. I switched to a different cellular provider that had service in my house. 

This account was paid off and closed, nearly 10 years went by before XXXX made any claim of an " outstanding debt ''. I do not owe XXXX any money. I closed and paid off this account within 1 or 2 weeks of opening it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

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