vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: CO

Complaint narrative:
In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. 
In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. 
In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX  deleting the collections delinquency from my report in XXXX of XXXX. 
To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. 
I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: IL

Complaint narrative:
XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of todays date, I have contacted EQUIFAX on multiple occasions regarding the accuracy of a bankruptcy listed on my Equifax Credit Report. On each occasion, Equifax continually states they have verified the Bankruptcy as accurate by using 3rd Party agency, XXXX. 

Therefore, Ive contacted the XXXX  District of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES. To my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Equifax can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX District of Illinois Federal Court. 

I formally request Equifax, to comply with the all federal laws by verifying the disputed information with XXXX District of Illinois Federal Court within the allotted time by federal law. If Equifax can not accurately verify and correct any and all errors this information, I l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: MI

Complaint narrative:
Every credit report ( all 3 Transunion, XXXX  and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all XXXX bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: MI

Complaint narrative:
Every credit report ( all 3 XXXX, XXXX  and Equifax ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX  balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after XXXX requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all XXXX bureaus and nothing has been investigated, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 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: MI

Complaint narrative:
Every credit report ( all 3 XXXX, Experian and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a zero balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or 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 non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  , XXXX XXXX  XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts.

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 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
My loan is with provident funding.

On XX/XX/XXXX my automatic mortgage payment was received by the lender. They returned the payment due to the payment being short based on their new escrow requirements for taxes and insurance. I did not realize the payment had been returned until XX/XX/XXXX. At which time I spoke with a rep, and logged onto their site and immediately made the updated payment.

I know lenders have the ability to accept payments that are short on escrow, and they also have the ability to waive a late fee in a case like this where payment WAS actually made, and fully covered P & I, as frankly escrow as well. The increase in payment is a forecast. After speaking and emailing with the company they still want to charge a late fee of $ XX/XX/XXXX on a payment of {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.

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 2018-08-19 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: MD

Complaint narrative:
On XX/XX/2018, I tried obtain a free annual credit report from TransUnion using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against TransUnion for not allowing the consumer to obtain theri reports online. To date CFPB and TransUnion has refused to address or acknowledge this complaint.

I had to submit an written request to TransUnion to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. TransUnion reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received TranUnion report # XXXX dated XX/XX/18. TransUnion has refused to investigate and fix the following complaints : Although XXXX is reporting my credit limit to TransUnion. TransUnion has removed the credit limit on my XXXX account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to XXXX and verfied reporting of my credit limit. In addition all other reporting agencies are showing the XXXX credit limit. Therefore, I would like to file a formal complaint against both XXXX and TransUnion for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have one late payment that was reported to the bureau in XX/XX/2016 that i am begging to be removed, besides that one late payment that was sent out to the Bureaus Ive been on time since, I told them the reason I couldnt make the payment on time. Told them I was having financial hardship at the time after my grandpa passed and i lost my job ... I had already contacted capital one with a goodwill letter and they werent willing to change the status nor help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 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:
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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:
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP

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 2018-08-19 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: TX

Complaint narrative:
I have called Equifax and my credit report is behind like 4 months. Other two XXXX and XXXX have been updating correct info. I have called Equifax and I was told I needed to contact everyone on my credit report. I have called and I was told they have been reporting to all three bureaus. My car loan has not been updated and my two new credit cards have not been updated ( open in XX/XX/XXXX and XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Are you kidding me? Not one report, but three reports on my XXXX credit history for {$3.00}? This company is going to ruin my credit over only {$3.00}? Who is it? What is it for? Why did I not receive a bill? How and where can I get this {$3.00} paid and off my record? This is just ridiculous and crazy XXXX. OMG the gall of some people or companies. I just can not believe this. Why didn't someone let me know I owed {$3.00} so I could pay it and avoid this? Why and who would report this over XXXX XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several negatives reporting on my credit and are not my account 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 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio recovery associates, LLC send me a credit card bill which I do not know about. I have never had a credit card before, They threatening to sue me and seize my property. They put the bill on my credit report, and it is affecting my credit. There is a class action Lawsuit against portfolio recovery in North Carolina for treating thousand of people this was.The case is named Portfolio Recovery Associates, llc v. XXXX, and is case No. XXXX, pending in the Superior Court of XXXX county, XXXX, North Carolina. I have ask them to remove it from the three credit bureau but the refused.

Company response to consumer: Closed with explanation