vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: VA

Complaint narrative:
I was recently contacted by Enhanced Recovery Company regarding an alleged debt. Not only did the alleged debt have the wrong name but Enhanced Recovery violated several of my rights outlined under the FDCPA. I have enclosed proof of this along with a photo idea proof of my receipt where I contacted them directly via certified mail with tracking. Below is a list of violations by Enhanced Recovery Company Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692e ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692c ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 9 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Exhibit A is Attached Below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: ERC
State: AL

Complaint narrative:
On XX/XX/2020, Enhanced Recovery Company added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Enhanced Recovery Company has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On my XX/XX/2020 statement, American Express charged me {$150.00} annual fee on a card that I never use. In XXXX, I requested they close the account and refund the fee. They refused to refund the fee. Again, I do not ever use the card. Instead of easily closing and removing the fee, they forced me into a lower fee card. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXXXXXX  XXXX XXXX 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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a credit monitoring service that I pay monthly through XXXX. I should be receiving all 3 credit reports monthly. However I have only been receiving from XXXX  and XXXX. Equifax has not been making my credit report accessible, despite the fact that I have been paying for it monthly. 

I called Equifax on XX/XX/2020 and they said that they do not have a reason why I can not access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.

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 2020-10-12 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: NY

Complaint narrative:
I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.

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 2020-10-12 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: VA

Complaint narrative:
i got a car from XXXX XXXX  and the whole time i paid my payment on time and then i have came very very sick i had got XXXX in my XXXX i was out off work and still out of work and was paying my payments what was left in my checking acount ... So one day i wake up to go to the docter my car was repoed i call XXXX about it they say i was 3 months behind i said how and they would not tell me nothing so a month later experian had it on my credit was so many late dates 120 30 60 day lates still t this day i dont know whats going on but i did research on credit company they have to follow the law XXXX  AND XXXX  has remove the item but experian will not i know its a law in the book says if one credit company remove a item the other 2 should do the same but i disputed this item was experian to many times and comes back verfiled and still dont tell me the FACTS so today i want the cfpb step in and help me to get this account remove or fix all late dates remove asap the account 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 2020-10-12 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Recently I've been in dispute with the XXXX major consumer reporting agencies and collection agencies regarding several accounts that were opened without my knowledge or consent. One account in particular from a company called XXXXredit Collection Service located in XXXX Massachusetts has violated both the Fair Credit Reporting and Fair Debt Collection Practice act by continuing collection efforts on a fraudulent account established through identity theft/or fraud after being notified by a consumer ( me ). For some reason the fraudulent account still remains on my XXXX  and XXXX credit file and should not be. In addition Credit Collection Service is reporting obviously a wrong open account which if so, this violates the statue of limitations for pursing medical collection efforts in the state of Arkansas. Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX inaccurate DEPT OF ED/XXXX  XXXX inaccurate XXXX  XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate

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 2020-10-12 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: GA

Complaint narrative:
I have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.

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 2020-10-12 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: GA

Complaint narrative:
I have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NV

Complaint narrative:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.

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 2020-10-12 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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
XXXX Timely escrow payments and treatment of escrow account balances. 

My loan was paid in full on XX/XX/XXXX as the result of a refinance. I called and requested my remaining escrow balance be mailed to me shortly after my pay off date. I was told by Roundpoint that according to Reg Z, they had up to 20 days to send it to me and would not be able to fulfill my request for it to be mailed that day. I was told that the request had to be sent to XXXX XXXX XXXX to be fulfilled. I submit this complaint today, XX/XX/XXXX and I have yet to receive my refund check. I called Roundpoint on XX/XX/XXXX and confirmed with the Roundpoint representative that the check was mailed on XX/XX/XXXX and I still have not received my check. Roundpoints system of record indicates the escrow was dispersed on XX/XX/XXXX, but according to the Roundpoint representative I spoke with the check was not mailed until XX/XX/XXXX, which is 22 days. 

Paid in Full on XX/XX/XXXX. 
Today is XX/XX/XXXX. 

28 day difference not including holidays and weekends. This time frame is not reasonable according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: MD

Complaint narrative:
Capital One gave us a grace period for a couple of months during the early part of the pandemic. We turned off our auto pay. We received a notice in XXXX that we had missed a payment that nearly a month late. We promptly responded, paid the late fees, and then paid of the remaining balance by the third week of XXXX. The car loan was closed out 6 months early. We have never been 30 days late during the time of the loan. It was just a clerical oversight. We normally had automatic payment. Capital One never contacted us first before filing the delinquency with the credit bureau. Our credit scores have dropped by 50 points because of this. This action is an egregious abuse of power especially during such a steep economic recession. We even made a payment during the brief covid-19 holiday they gave us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NV

Complaint narrative:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.

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 2020-10-12 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: NV

Complaint narrative:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conn 's calls my husband 's work ( XXXX ) and personal phone ( XXXX ) several times a day - sometimes up to 10 times per day. We have asked them to stop calling his work number, as well as his personal phone, but they do not stop. We have noticed that when my husband travels and/or gets calls from different states for his work, that they will call using a phone number from that state. For instance, he received a work call on his work phone from Arkansas, and not 30 min later Conn 's called using a number from Arkansas. We have been in Florida for travel, and the Conn 's calls we get are from Florida. Every time he gets a work call, Conn 's calls his work number with an number from that same area/state. I do not know how they get this information or why they will not stop calling, but it is harassment. My husband 's work is fed up with the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: CO

Complaint narrative:
This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. 


I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt 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 2020-10-12 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX  XXXX inaccurate DEPTEDXXXX   XXXX inaccurate DEPTEDXXXX XXXX inaccurate DEPTEDXXXX XXXX inaccurate XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX inaccurate US DEPT ED XXXX inaccurate US DEPT ED XXXX inaccurate XXXX XXXX XXXX inaccurate

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 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Manager Capital One ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation