vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX, I spoke with representatives from FCO ( FAIR COLLECTIONS AND OUT ) regarding an account listed on my credit report. During these conversations, FCO and I made an agreement for me to pay a total of {$9800.00} to settle my account and to have this account completely removed from my credit report. 

On XX/XX/2019, I received confirmation via email that FCO had received and accepted my money order payment of {$9800.00}. The following statement was made by FCO according to the final settlement letter : " This office accepted a settlement for {$9800.00} on your account. Therefore, this account has been closed in our office as settled. If any credit bureau was notified of this account they will be advised to update the account as settled. '' After receiving this confirmation and agreement to settle debt and close the account, I noticed that the credit bureaus were indeed notified and the FCO account on my credit reports was removed, per FCO 's agreement. 

I also disputed this with XXXX  via XXXX, an apartment credit reporting organization during this same time period. After investigating this case, XXXX  verified my statements as fact and as a result, XXXX  sent me a confirmation letter stating that this collections account had been successfully removed from my rental history credit report. 

Less than 1 month later, I noticed FCO had fraudulently resubmitted my account information to the credit bureaus and has begun reporting the account negatively as collections. This has had tremendous affects on my well-being and ability to find stable housing and transportation.

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 2020-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX  and we came to an agreed upon settlement they told me they would report my account closed and paid on my credit I had disputed the information on my credit report with experience and provided the documents XXXX XXXX  gave me instead of marking it as paid under settlement they took off the mount off the total and marked it as a late payment this is incorrect and lowered my credit 40 points for paying off 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 2020-06-20 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: SD

Complaint narrative:
There is an account with XXXX XXXX showing on my credit report. I never had any accounts with XXXX XXXX but it is on my transunion credit report. I don't know what it is but it is not mine.

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 2020-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Was in foreclosure in XXXX. I went to court. Chase lawyers did not serve me right. Sent me a letter suggesting they can buy my house. I could not contact their lawyers. Phones at law office were never answered. Chase offers me a streamline modification. I paid 3 months mortgage. Paid final modification trial XX/XX/XXXX. I waited for papers from Chase so I can sign new modification agreement. On XX/XX/XXXX I called Chase and they said they sent to lawyers on XX/XX/XXXX and I had to return them by XX/XX/XXXX. I asked Chase to email me papers directly and I returned by XXXX the same day. I finally received the modification papers from their lawyers on XX/XX/XXXX. It seems like these papers were intentionally sent to me late so that I can go back into foreclosure. Chase needs to deal with a different law firm because this is negligence and it could cause harm to homeowners that want to keep their homes but miss the deadlines due to the Chase lawyers fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: NE

Complaint narrative:
Equifax credit bureau is reporting three collection accounts with XXXX XXXX , XXXX in the amount of {$41.00}, {$41.00} and {$220.00}. This is not my account and is identity theft. I have disputed these collections accounts several times with the credit bureau and the creditor XXXX XXXX , XXXX. I was the victim of identity theft in the past as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Much of the earlier responses were inaccurate because I didn't have a great options. 

My complaint is against : Midland Credit MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX According to my recent credit report, they have pulled my credit 12 times between XX/XX/XXXX and XX/XX/XXXX. I believe this to be excessive, invasive, and also damaging to my credit. I owe them {$1200.00} from a XXXX XXXX  Account ( XXXX XXXX XXXX installment ). I am trying to repair my credit - about {$30000.00} in collections. They are the ONLY company to have pulled my credit more than once over this time frame. I owe XXXX  XXXX XXXX over {$15000.00} and XXXX  XXXX XXXX only pulled my credit once ( very fair ). 

If there is no limit on how often they can pull credit, I can understand. But this seems beyond excessive compared to every other company that I have business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My aunt has an automatic payment set up through her checking account that needs to be cancelled. I was recently added to the account as her attorney-in-fact after she was deemed incapable of handling her own affairs. The automatic payment can not be cancelled. This post week I went to my local branch, sent messages through the online banking portal, and called the customer service department. I was told by all that, because the automatic payment was set up under another online user account, only that user can access the automatic payment. Company representatives can not access it or adjust it in any way. My aunt has never owned nor knows how to use a computer, so my best guess is that a banking associate assisted her by creating an online profile and setting up the automatic payment on her behalf. My only recourse for canceling the payment is to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app is my issue..I went to pay for a product for XXXX/on XXXX XXXX ( like a money transfer person to person ) my funds were refunded acc locked for unusal activity? I had sent this person more money before..I can't get no customer support.All my money is on this locked account I just need it unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I believe Synchrony Financial responded to my complaint with fraudulent information. The table they created has a glaring discrepancy including a blacking out of vital information. Why is this complaint closed when such a situation exists and no one questioned it? Although I do find it difficult to make sense of what Synchrony Financial has devised to confuse and frustrate, a simple cross-referencing of the actual statements with this table they submitted will clarify things much better than anything I can say. A good look at the table will reveal that it all just doesn't add up. This is not right. Please have someone take a good look at what Synchony Financial has submitted. Thank you. 
Sincerely, XXXX XXXX CFPB Case XXXX Amazon.com Store Card Account Number Ending in 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 2020-06-20 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:
The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation 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 2020-06-20 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: The Outsource Group, Inc
State: NC

Complaint narrative:
The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation 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 2020-06-20 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: NV

Complaint narrative:
TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account 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 2020-06-20 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: NE

Complaint narrative:
Transunion credit bureau and XXXX credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.

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 2020-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX  credit bureau and Equifax credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX  stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The credit bureau, Experian is reporting an inaccurate payment history with XXXX XXXX XXXX. They are reporting that there was no payment made for the month of XX/XX/XXXX, which inaccurate. I have attached a copy of my payment history with XXXX XXXX XXXX and it clearly shows, a payment of {$140.00} on XX/XX/XXXX. I have disputed the payment history several times with the credit bureau and the creditor and they are still reporting inaccurate information. I contacted creditor about the payment history being reported inaccurately and they confirmed the payment made in XX/XX/XXXX and said it was a glitch in their system, that is not my fault. This needs to be updated immediately 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 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Beginning on XX/XX/2020 and for the last three consecutive days I have been trying to log into my account to obtain loan statements to shop a potential refinance on my existing mortgage. Unfortunately I am unable to get anyone on the phone to assist and the website doesnt load any information. Ive attempted to log into my account roughly 30 times and it keeps redirecting in circles. Its unacceptable to not have access to any of my information and no one can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
We are a family off 8 trying so hard to buy a Home but the credit bureau are fausly reporting the wrong information like my credit is so poorly no matter what I do my credit stay the same I feel like its racism to stop me to buy a home I am asking please help me so me and my family can get a place call home please remove and delete all the unfair information on my credit so I can move on with my life, XXXX lives matter, my family deserve a better life, the credits bureau keeping me and my family from buying a Home .destroying XXXX peoples from moving forward

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 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX  XXXX is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks 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 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
For several months, I have been expecting to get my money back from Cashapp a Squareup company. I have messaged their support team NUMEROUS times for help. They are holding {$310.00} hostage in an account they closed stating we violated terms of service since we filed a chargeback for transactions that cashapp allowed unverified users to scam numerous members for thousands of dollars in order to aquire fees as income. We were punished with the loss of our account even after the charge backs were awarded in their favor due to the terms of service agreement that they DONT verify any member in accordance with the Patriot Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with non-monetary relief