vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified 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 2020-07-08 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/XXXX  - XXXX is reporting 30 day late 's on my account. I have never been late on this account. I have never received a notice or a phone call from Synchrony bank that i had a past due balance. I do make my payments on time and i should not have these late 's in my account.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: NC

Complaint narrative:
SOMEONE USED MY INFORMTION TO OPEN CONN APPLIANCES WITHOUT MY CONSENT. I WENT TO XXXX XXXX POLICE DEPARTMENMT AND FILED A POLICE REPORT AND THEY DETERMINED THAT THE ACCOUNT DID NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CRDDIT PROFILE THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: ME

Complaint narrative:
in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The XXXX XXXX still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from equifax that still after months showed the fraud account and it should have been removed last year Both XXXX XXXX and equifax have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police 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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
EXPERIAN fail to investigate items on 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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
We are trying to connect our PNC accounts with other institutions who are using the XXXX   XXXX  to do so, but PNC is not allowing these connections to be made. It makes banking unnecessarily difficult and is therefore very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: DE

Complaint narrative:
Equifax has some bad information on my report and will not allow me to fix the information. They say there is an installment loan, a student loan and a mortgage, all of which I do not have!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My husband passed away two years ago. Both our names are in the deeds to the house but he later went on to take out a mortgage in his name only. 
I am selling the house and the mortgage company, US Bank sent a payoff amount with over XXXX added for escrow. They claim theyve been paying insurance. They didnt need to. They say a XXXX XXXX dollar payment for insurance was charged to the home mortgage in XX/XX/XXXX. They are refusing to adjust this amount in the payoff to reflect that as of Monday I wont own the home or need it to be insured for the coming year. 
They said after the house sale the insurance will be cancelled. They said I could fight with the insurance agency to be reimbursed but added that as the mortgage is in my husbands name it wouldnt be payable 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 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I've recently refinanced my home and learned that my homeowners insurance was never paid by my mortgage holder Loancare ( XXXX XXXX XXXX ). My Loancare statement indicates my escrow account disbursed {$2000.00} on XX/XX/2020. I've been in communication with my insurance company ( XXXX ) and they discovered a check ( # XXXX ) was written by Loancare inthe ammout of {$62000.00}, likely a batch payment, to XXXX on XX/XX/2020 however this check was deposited back into Loancare 's account and never actually sent to XXXX nor was the disbursement reissued to my escrow account. I have been on the phone with Loancare several times, spoken with three individuals from their insurance team, each time getting different information with no resolution. I requested to speak with supervisors or directors with no cooperation, including a call back request being ignored. My {$2000.00} seems to have disappear but it has to be somewhere. I don't know if this is incompetence or fraud on the part of Loancare. Please help. 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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. Systems has reported and posted to my credit that I owe {$550.00} for a XXXX  bill. I contacted XXXX  and they stated the amount owed is {$320.00}. I have called both XXXX  and I.C. Systems multiple times since XX/XX/2020 -today XX/XX/2020 trying to get the correct balance updated so the debt can be paid. I.C. Systems have yet to make any attempt to update this amount.

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 2020-07-08 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/JCP - XXXX is reporting 30 day late 's on my account. I was not aware of these late 's, i never received a notice or call from synchrony Bank. I make my payment 's on time and was not late on this account.I should not have these late notations on my account.

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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
As of XX/XX/2020 on Tuesday morning at XXXX my Cashapp account was locked. It has the total amount off {$4500.00}. When I got this notice it told me the account will be unlocked within 24 hours, or to send them an email to dispute the reason why the account was locked. I sent them an email and there online services says they will respond with in 48 hours. Since Thursday morning was more than 48 hours later, I have sent them 3 other emails trying to receive my money that is locked in there account. They have not responded to any of my emails or even attempted to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Can't open an XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want to add my checking account to an external website to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The thomas agency still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from XXXX  that still after months showed the fraud account and it should have been removed last year Both thomas agency and XXXX  have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?

Company response to consumer: Untimely response
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANSUNION refuse to investigage my dispute

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 2020-07-08 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: NC

Complaint narrative:
TRANSUNION reporting bogus and fraudulent information on consumer credit report, does not properly conduct investigation when submitted through their process, and ultimately does not protect the consumer by removing the false information. This is a extended, and repeated process that continues to unjustly damage consumer 's credit file, further proving a relationship between TRANSUNION and a fraudulent debt collector company in extorting money from the consumer. 

TRANSUNION and XXXX XXXX XXXX  have a relationship to extort money from consumers by adding false, unproven, fraudulent credit collection marks ; and then not removing them per code of law and consumer protection acts. In fact these companies frequently change the dates around, and add falsified comments in effort for keep-alive tactics for that specific fraudulent collection trade-line.

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 2020-07-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I paid off the balance owed to Chase Freedom Acct # - XXXX. Due to the fees charged to my account, they did not show a XXXX balance until XX/XX/XXXX. I disposed of the cards and never used account again. I continued to get offers from the company which I disposed of them as well. In XX/XX/XXXX, I began to receive calls from a collection agency to which I explained that this account had been paid off since XX/XX/XXXX. The collection agency tried to contact Chase and did not receive response. In XX/XX/XXXX, another collection agency contacted me and I told them the same thing. In XX/XX/XXXX, I wrote Chase a letter stating all facts and they responded by sending 75 envelopes all with the same exact pages in them. In XX/XX/XXXX, I was able to reach a representative from Chase and was on the phone for a long period of time because Chase changed the account number and they could not locate account. I was then informed about charges using XXXX to XXXX, XXXX all within a 4 day span. I do not have a XXXX account and did not make these charges. Chase Freedom continues to report negative on my credit reports. Chase needs to correct these fraudulent charges and show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my experian, XXXX  & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I filed a complaint with IdentityTheft.GOV and reported I had my identity stolen in a few data breeches. One occurring from the VA and XXXX. I printed off a letter from the government website and sent it to USAA but they did not respond or remove from my credit report. I dont know what else to do as they dont respond and keep reporting a debt that is not mine. They are claiming I neglected to pay {$1200.00} for a fraudulent account that I disputed many many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: DC

Complaint narrative:
i mail them the law and they still trying to collect money each month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.

Company response to consumer: Closed with non-monetary relief