vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 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:
My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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:
My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CHOICE RECOVERY INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2019 I lodged a complaint against Equifax for NOT PROVIDING ME A COPY OF THE DISPUTE RESULTS via the CFPB ( XXXX ). This is not to be confused as a copy of the credit report but rather the consumer is entitled to the results of the dispute separate then the credit report. In this complaint, it was very clear that the consumer was requested a copy of the DISPUTE RESULTS and that the investigation into the matter was already conducted and closed. However, this has proven to be fruitless. In fact, in a response to the original CFPB complaint, Equifax states that the consumer indicated that there were inaccuracies on the consumer 's credit report when in fact the complaint had nothing to do with. In fact, the complaint was due to Equifax and there handling of a copy of the dispute which is required to be sent by federal law. 

Equifax sent the consumers PII to two ( 2 ) different email addresses other than the ones that the consumer requested or operates. This is also a violation of federal law. Equifax stated that would fix and correct THIER mistake however they have not done so to do and have further refused to send the consumer a copy of the dispute results. In fact, Equifax stated that if anything happens with the consumers PII that they sent to another person other then the consumer themselves that the consumer would be liable for anything resulting as such, such as identity theft and or fraud.

EQUIFAX themselves have violated several state and federal laws and willingly and maliciously disclosed a consumer 's PII to others without the consumer 's consent as a vendetta and retaliation against the consumer for making complaints. The consumer DEMANDS that Equifax hold itself accountable and take ownership and correct the issue and email the copy of the dispute results to the consumer as promised and supposed to do in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Mortgage contract states a XXXX late fee will be charged if payment due on XX/XX/XXXX is not received in TEN ( 10 ) days ( which is by XXXX ) Ditech is charging a XXXX late fee on the day AFTER the payment is due. ( XXXX ) My billing STATEMENT still says a XXXX late fee charged on late payment on the top right corner. 
Why are they charging XXXX if payment is ONE DAY LATE BREACH OF CONTRACT Also online account info shows current when paper statements reflect past due because they bill the paper statements for the next month before the current month is even due, making the consumer " appear '' as tho they are past due so this company can falsely report delinquent.

Also over payment are being put into an " UNAPPLIED amount, then the next month I get ANOTHER late fee even tho I OVERPAID the month before!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I called into Experian on XXXX to get an addresses removed. I was intially advised my information was compromised and I called in on XX/XX/06 to get it fixed. Which I did not. 
I attempted to get an address removed but was advised I couldnt because it was attached to a loan. She asked did I have student loans and I said yes and said well this cant be deleted. I the requested a supervisor. She took my number down and said she was going to transfer the call I said wait Im not finish and then she says well you asked for a supervisor they will finish. She cut me off while I was speaking and attempted to transfer the call but of course it got disconnected. Pls remove the addresses attached.

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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am authorized on my spouse 's credit cards. The cards used to show up on my Equifax report. In the span of one month, all cards were removed from my credit report. This is not an issue with any other credit reporting agency. Only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
The XXXX office at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX open a account for me. I saw with my XXXX   XXXX  app 1 hour after that they check my credit score to do some operation. I told to them that I don't want any credit and want to pay all in full. So I was going back to the office 3 hours after and cancel all the process.But they don't care and I saw 1 month latr that the account still opened without use the service by myself. 
I call the customer service told me that they is no problem and they will cancel everything.

Few month later I receive a call to pay a invoice, I explained again and now they put a Derogatory marks on my credit score for {$100.00}.

Again I never have the service and never use XXXX  service, so please help me that their people respect the laws.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is a Walmart Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.

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 2019-12-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, a charge for over {$2200.00} was made by XXXX XXXX XXXX on my Chase Freedom Credit Card. When I recognized the fraudulent charge, I called Chase immediately. They mentioned that they would address the billing dispute and investigate the issue. Three weeks later ( XX/XX/2019 ), I noticed that my card was charged again by XXXX XXXX for the same amount ( XX/XX/2019 ). I called to dispute the transaction again and the Chase customer service person wouldnt give me any details about the investigation, she just said to call back once I received a letter. 

As a victim of identity theft and Chase customer for over 10 years, why should I be charged for something that I didnt order? I dont have a history of disputing charges and have been a responsible credit card user for years. If it was a smaller amount, I wouldnt feel the need to escalate the situation to the CFPB but I feel that I am constantly being taken advantage of by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX XXXX  on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent several certified letters and complaints through this portal to have XXXX and Equifax to remove a bankruptcy off of my credit report immediately due to this letter and the law under the FCRA. 

In this recent letter that I obtained from the US Bankruptcy Court in Michigan states the following : they DO NOT report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA DOES NOT REQUIRE that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is NOT A LEGAL MINIMUM '', it is the MAXIMUM. So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate. 

XXXX. XXXX  and XXXX  have both removed this several months ago upon request. 

XXXX provides a phone number to call to discuss this matter and when you call them you get a recording and that no one is available and to leave your information and they will call you back..TOTALLY XXXX! I have left 5 messages and they NEVER call back! Their customer service is horrible as is Equifax which basically is the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, loan officer, advised me sign a disclosure stating that I the owner of the home to must pay {$10000.00} at closing and bring my mortgage payment to the table. He told me to stop the automated payment of my mortgage and just bring that amount to closing. ( I have made all my payments on time since 2015 through automated draft ) But I read the documents carefully and it stated that I am NOT to sign anything because the verbal rule is not enforceable. I told Mr. XXXX that I was not going to sign a document stating that I must bring {$10000.00} to closing and he told me that I must sign the document so that it could be negotiated by him. The interest rate that I signed was 2.28 % on the next document he changed the interest rate to 3.1 %. I did not agree to that new interest rate because my current rate is 3.5 %. Then, Mr. XXXX stopped all communications with me and on XX/XX/XXXX a letter was generated and on XX/XX/XXXX ( the day Mr. XXXX told me that was my closing date ) I received a denial letter from New Rez stating that my application was incomplete and they did not loan on those terms. Then New Rez tried to assist a late payment fee in which my documents state NO LATE FEES ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a XXXX Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.

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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog urine and feces on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation