vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sent creditor multiple letters and they never respond.

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 2018-12-05 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: PA

Complaint narrative:
In brief, XXXX has run a credit report on me without my permission, knowledge or consent. 
I had an account with them until recently. I wanted to downgrade my services and move them,, as I moved houses recently. The representative decided to close my account and then open a new one for me. This required, according to the representative, a credit check. I refused since I was their customer until 2 minutes prior and I find this ridiculous. I said no thank you and left the store. 
A few days later I received in the mail a letter denying my request for an account because of my score! My score is actually in the high zone and so that was a lie. They provided several reasons, one of them that I do not have a SSN, the my credit history is too short and so on - reasons not grounded in reality. 
I tried to contact them, was promised a reply back and never heard anything. 
I find it outrageous that a company like that allows its employees to run credits reports without permission or reason.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent credit multiple letter to verify that this account was owed by me and they never responded.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent multiple letters to the creditor to verify that this account was owed by me and they never responded.

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 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via Transunion, XXXX, and XXXX. 
Transunion included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent multiple letter to the creditor asking for verification that this debt belongs to me and they never responded.

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 2018-12-05 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: MA

Complaint narrative:
I am currently disputing an unverified account with Equifax and have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine & has been properly verified. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Equifax is continuing to report this unverified account despite the fact they have not indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we had our house appraised to attempt to remove the PMI from our mortgage loan. The effective date of the loan was XX/XX/XXXX. After the appraisal our loan came in at my calculations- 78 %. We were advised that our loan has to be at 75 % to remove the PMI. We have never had a late mortgage payment, nor any missed payments. Calling the customer service line has never been helpful to us, our calls to the customer service takes approximately 45 to an 1hr of our time. We contacted Roundpoints mortgage customer service twice and they were not able to assist us in advising us on - how we would be able to terminate the PMI, what other options do we have? No exact numbers could be provided to us. One of our questions to the representative was how much does the principle need to be to get rid of the PMI? Roundpoints representative persistent that we use the online calculator as she was not able to provide us with any number to be able to lose the PMI. Also, no dates were provied as to when the PMI can be removed. 
Due to school loans, I am worried that we will fall behind on our loan and we are in desperate need of someone assisting us on when and how can we lose the PMI- How many more months will we have to wait and what other options do we have? I know we can refinance our home and lose the PMI, however doing so would only add the cost to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sent multiple letters to the creditor to verify that the account was owed by me but I never received verification from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Home purchased XX/XX/XXXX with adequate insurance for mortgage company. Mortgage company sold mortgage to wells fargo in XX/XX/XXXX. Wind only coverage provider cancelled policy XX/XX/XXXX. Home still covered by Insurance that is adequate to the latest legal document signed ( XXXX Closing Mortgage Document Page 6 and 7 Section 5 ) XX/XX/XXXX Wells Fargo notifies that Wind is now required, I immediatly add coverage effective 2 days after letter received, yet was charged force placed insurance backdated to XX/XX/XXXX. 

They refused to refund the force placed insurance despite acknowledging that there was no notification ever sent out that coverage was ineadequate until 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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later. 

Please confirm when the {$400.00} bonus will be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: NM

Complaint narrative:
I received my XXXX XXXX ( checking & savings ) statement indicating the law office illegally seized my XXXX to XXXX XXXX {$2800.00} ) SS benefits that opened the accounts & allowed me to be able to cash the checks at that time with US Treasury checks. The US Treasury stopped SS benefits checks & mandated direct deposit which I enclosed XXXX XXXX. Those SS funds are federally protected & the law office needs to put them back into my checking & savings accounts. The law office states I owe them for not being in-possession of their property from XXXX to XXXX & they are charging me with that some {$7000.00} plus cost & interest for their possession of their property. He also needed my SS # which is illegal. The law office has not given any specifics as to why they did not garnish anything from XXXX to XXXX plus they have never sent me any bills stating I owe them which indicates for me some sort of holiday fraud & /or some despair on their part. In contacting the law office I've left several voice messages of which no returned phone call. Yesterday morning the receptionist hung up on me. Today I finally got to speak to XXXX of which I was told this updated information about their property possession of which I am charged for never being there-charged for not being in possession of their property. They state I owe them all that money because they are in possession of their property. I'm being charged for non-possession & there has never been any bills sent in the US Mail for this alleged debt. I AM ON XXXX & XXXX OUT HERE ON THE STREETS! I have filed for Indigency, a Squashing of the garnishment, & an SSA benefits Exemption Claim while still using my SS benefits for phone calls, US Mailings, postage, time, emotions, mental anguish ... .they illegally garnished federally protected SS benefits. 

They need to put those funds back into my checking & savings accounts & clean up what they have put on my Credit report in their illegal practices as an alleged " debt collector ''. They need to leave me alone & no further contact from them to me in regards to any of this in an probable attempt to interstate stalking, harassment, & illegal practices. I do not have the Option above to choose all that applies to all of this. XXXX is federally protected checks opened accounts in XXXX, checks cashed via accounts till XXXX & have remained there since for emergency & funeral travel for family, necessities. 
Due to technology & uploading my information I have more than 10MB & am not able to delete any more in the file without losing my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I started to receive notices in the mail for a charge off credit account from XXXX XXXX or XXXX XXXX XXXX. I have never had a credit card account from XXXX this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, XXXX, and Equifax. 
XXXX  included inquiries I didn't recognize such as : XXXX   XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX on XXXX, and XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: IN

Complaint narrative:
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, Experian, and XXXX. 
XXXX included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX/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 non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase and have been a client for decades. Never filed a complaint or had any other issues. I transferred money with XXXX, a partner of Chase to a shipping company on XXXX losing {$2800.00}. On XXXX when the person ( s ) who I was allegedly doing business with on the web essentially disappeared and contact was lost, I learned it was a fraud. I've tried to rectify with bank, one person said they would refund one time as a loyalty courtesy and was relieved. Then they transferred me to another person who said absolutely not. I would have thought some protections or loyalties were in place, but apparently not. Please call me for details. I am disgusted and will likely move every account out of that bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX i checked my XXXX score and noticed two hard inquirys i did not authorize nor did i try to open accounts. One is from XXXX XXXX XXXX in XXXX ma and the other is chase card. XXXX XXXX XXXX pulled my credit on XX/XX/2017. I have contacted both the owner and experian to get this removed. It has been a back and forth thing. When i asked the dealership to prove i authorized him to pull my credit he stated he does not keep records and applications that far back. Experian said i could not file a hard inquiry dispute with them and that the owner would have to send a letter to get it removed. I then called the owner back and he said he would not give a letter or talk to experian on my behalf. I then wrote a letter to the experian to investigate this hard inquiry. I called experian back and they said to contact the ftc and they can investigate because they arent authorized to investigate hard inquirys. I tried to call chase card but i could not get in contact. They pulled my credit on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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:
On about XX/XX/2018, I received confirmation from Equifax regarding the removal of the XXXX/XXXX  account from my credit file. However, on about XX/XX/2018, I hired The XXXX XXXX to challenge the items found within my credit file. The XXXX XXXX XXXX stated that when Equifax deleted The XXXX/XXXX  account from my credit file, they failed to also delete the negative history associated with XXXX/XXXX  account from my credit file. Today XX/XX/2018, I spoke again with Equifax. I explained the issue Equifax. 

The representative at Equifax stated they did not receive the dispute regarding XXXX/XXXX until Saturday XX/XX/2018. Based on their response, I contacted The XXXX XXXX XXXX again. I presented the response I got from Equifax. The XXXX XXXX XXXX has indicated that they electronically submitted the dispute on XX/XX/2018. That means Equifax has had this dispute for more than a few weeks now. XXXX XXXX stated that Equifax would have received the dispute almost instantaneously on XX/XX/2018. Prior to ending the call with Equifax, The representative further indicated, they must send this information to XXXX and start the process over again. There are a few issues here. 

Equifax should have cleared the deletion of the negative history when they deleted the item. Today, an Equifax member provided me with information that conflicts what the XXXX XXXX XXXX has stated. Also, both XXXX  and XXXX  where both able to resolve get everything done correctly the first time, so Why didn't Equifax? I'm in the process trying to purchase a home. The time that Equifax is taking to get this right creates issues for me such as more money in terms of down payment, higher interest rates, and or could be reducing that amount I can qualify for when buying my home. This needs to get fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Since XX/XX/2018 Allied Collection phone XXXX XXXX is attempting to collect on a debt that Ive already satisfied/paid in full.

To Whom It May Concern : On XX/XX/2018 I paid {$520.00} to XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX and they emailed a confirmation of payment to me confirming same. 

Actions I have taken : I explained this to XXXX at Allied and have provided to him the email receipt from XXXX XXXX XXXX. 

On XX/XX/2018 I emailed proof debt paid in full along with XXXX   address and phone number and reference number to XXXX On XX/XX/2018 I called Allied said they didnt receive my email and asked me to email it again to them at XXXX Today, XX/XX/2018 XXXX from Allied called attempting to collect the debt. I told him Ive sent proof paid 2x and he said he hasnt received it and asked me to email proof paid to XXXX. 

I just spoke to XXXX at Allied and now he wants a bank statement from me showing the payment of {$520.00} clearing my account. 

Im uncomfortable with this request. 

Please advise. 

Thank you, XXXX XXXX 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 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This company placed a collection on my credit report for a debt that is not mine nor did I have any knowledge about. I have NEVER received anything in writing or calls from XXXX XXXX. I have NEVER received anything in writing from Fair Collections and out however I have been receiving phone calls at all hours ( before XXXX XXXX and after XXXX XXXX at night ) from this company. FCO failed to identify as a debt collector when leaving voicemails on my telephone and uses strong arm tactics in order to try to collect a debt I don't owe. 

FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX REG : XXXX XXXX   Account : XXXX ; Dated : XX/XX/2018 ; Amount : {$7500.00} I was released from a lease with Invitation Homes back in XX/XX/2018 due to having a XXXX  XXXX Injunction against the main leaseholder. I gave notice in XXXX, XXXX and XXXX to XXXX XXXX and they kept my security deposit as well. I was told I was released from the lease, court eviction and obligations with the home since it endangered my daughter and I. 
I even sent a video to XXXX XXXX in XXXX when I moved my things out displaying the damage the primary leaseholder did to walls, doors that was not my responsibility.

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 2018-12-05 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: MD

Complaint narrative:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. 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.

Company response to consumer: Closed with non-monetary relief