vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: MD

Complaint narrative:
XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: MD

Complaint narrative:
Old and inaccurate information is being reported to potential rental apartment companies prohibiting me from being able to rent.

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 2020-09-12 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:
XXXX XXXXXXXX is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor XXXX XXXX at the time contacted myself, my attorney nor the The Federal court. By law if XXXX XXXXXXXX purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, XXXX XXXX did not do this. Nor have they provided me with any proof that a debt is owed to them. XXXX XXXXXXXX has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. XXXX XXXX is attempting to fraudulently collect money they are not owed. XXXX XXXX XXXX has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against XXXX XXXX and XXXX on XX/XX/XXXX. This is my final warning to XXXX XXXXXXXX, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.

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 2020-09-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
card been activated 72 hrs., am approved for weekly benefits and am old some back payments ... nothibg is on or comin to card, please help and tell me why??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
On XX/XX/2020, I, received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with current creditor : Crown Asset Management , LLC, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither Crown Asset Management and/or current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a certified packet letter to experian on XX/XX/2020. I sent in the packet a experian dispute form, and my dispute letters for inquiries I did not authorize and a XXXX account that needs to be removed because it was sold to XXXX  XXXX XXXX which makes me no longer financially obligated to XXXX since they sold the account to XXXX XXXX XXXX. Unfortunately Experian did not do a proper fully investigation which they are required by law to do. I sent the packet on XX/XX/2020 experian received it on XX/XX/2020 they had results back and ready XXXX XXXX just for experian to not give no updates on the inquiries I disputed or correct XXXX  dispute experian basically sent a copy of my credit report without the inquiries included so I dont know what investigation they did because that what my packet was mainly disputing was inquiries and one 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 2020-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: MO

Complaint narrative:
On or about XX/XX/2020 attempted to get a loan from Regional Finance and was never told I was denied they wanted my spouse to also apply in an attempt to get us approved then the lady never called me back as she stated she would and mailed us denial letters over past credit experiences on my report I was told regional was a company who helps fix credit and they market that but yet refused to give us a loan they are new to XXXX and already have no transparency also XXXX  is reporting accounts that are disposed in court and or paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.

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 2020-09-12 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: FL

Complaint narrative:
I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ),  all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a  consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). 
XXXX / XX/XX/2020 *XXXX - XXXX XXXX / XXXX XXXX *XXXX - XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020 XXXX XXXX / XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: MIDFIRST BANK
State: GA

Complaint narrative:
I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUDXXXX The account was brought current in XXXX and I made my first mortgage payment again XXXX. Midland Mortgage reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.

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 2020-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Penny Macs Loan # XXXX ____________________________ Final closing disclosures,, sent by Penny Macs XXXX XXXX on XXXX XX/XX/XXXX had erroneous escrow requirement for property insurance. 

XXXX XXXX  actual premium is {$1000.00} ( {$87.00} per month XXXX. 

XXXX calculated this premium at {$270.00} per month ( {$1900.00} deposit for 7 months ), and listed the monthly mortgage payment at {$2500.00} per month. 

PennyMacs original loan estimate listed monthly payment, including escrow, at {$2400.00} per month., at 2.5 % interest, with XXXX points. 

My current mortgage payment with XXXX XXXX is {$2500.00} at 3.5 % with zero points. 

Obviously, XXXX Final Loan Disclosures, sent to me for eSigning, were unacceptable. 

I contacted XXXX. She blamed the error on some other department. 

PennyMacs XXXX XXXX called to say he had been assigned to take over the loan closing and make it work ( sic ). 

Subsequently, he emailed me on XXXX XX/XX/XXXX, saying : We plan to have new closing disclosure for you tomorrow. 

The loan was due to be funded on XXXX XX/XX/XXXX. 

New loan disclosures were never sent to me. 

I called XXXX again. He checked his record and said that the new disclosures had NOT been sent, and if I did not like what XXXX had sent me on XXXX XX/XX/XXXX, he can cancel the loan. 

Had the corrected Final Loan Disclosures been sent to me, I would not have cancelled the loan. 

XXXX has since corrected her error, but PennyMacs XXXX XXXX says he can not make any adjustment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Recently my credit report was pulled and I was told that I have a collection report form Sequium ( collecting for XXXX XXXX ) I have been a client and still am a client of XXXX   and XXXX XXXX since 2015, so I didnt understand why they were reporting me as a collection. 

So today I first called Sequium. A lady by the name of XXXX answered. I told her that I wanted to find out why I am being reported in collections with XXXX XXXX as I am not behind on anything. She asked for my name, telephone number and zipcode. She then asked for reference number. I did give her my name, telephone number and zipcode but I didnt have a reference number as I had never received anything in the mail from them. I did ask if she could look up my account with my social security number and she said she couldnt. She said she wasnt able to locate my account and she wasnt able to explain why they are reporting me as a collection I then called XXXX XXXX and spoke to a lady named XXXX ID XXXX. She is in the billing dept and said then there is no balanced owed and no lates showing in the system, and couldnt tell me why I am being reported as a collection on my credit report. 

Please help me get this removed as this is clearly a mistake. I spend 3 hours today but got nowhere. Thanks for your help! I am attached a pic of that section of my credit report so you can see how they are reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have been unable to make payments due to financial constraints. I was able to enter into a payment agreement with the company. However, due to an error by my work, funds were directed to a closed bank account. Therefore I was unable to make a payment as agreed upon. They started calling me several times a day. I finally got word back from my work when I would receive those payments and decided to answer their collection calls. I was speaking with the agent and notified him of my predicament and let him know I would be able to pay past due payments and be caught up with the payment agreement in 7 days when I got the money. He told me they were going to repossess the car and asked where it was. I told him he was not going to get it from me and that I would make my payment in 7 days. He then threatened my saying they were going to take legal action for hiding the car. I then proceeded to tell him the car was with my wife and that she was traveling ( which is the truth ). He then accused me of lying. And was yelling at me for lying to him ( which I didn't, I told him I wasn't going to give him the car, not that I didn't know where it was. ) He continued to threaten to proceed in a court of law. He also stated that he talked with my wife and she said to call me. He stated that I had to be lying about the cars whereabouts because she told him to reach out to me. I am the one in charge of finances, which is why the debt collectors were referred to me because I am the one who knows when we would be able to make the payments and for how much. But he continued to insist that I was lying to him and continued to threaten legal action against me for refusing to surrender the car. I then requested a supervisor. The supervisor was very polite and understanding of the situation I was in. He told me that the department they were in would not know anything in regards to legal actions and were not allowed to make legal decisions or discuss legal matters. He stated that the attempts to repossess the vehicle would continue until the payment was made and that they looked forward to receiving the payment the following week and wished me the best of luck. I fully understand the attempts to contact me and attempts to repossess the vehicle. However, threatening legal action ( which is legally not allowed ) when someone is honestly trying to pay the debt and has been put in a bad situation due to unfortunate circumstances is beyond aggravating and I will ensure that any future auto loans are not with Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 I received an two emails to my personal email which included personal financial information in my personal email regarding the transactions I had done through the online app. 

I feel that I should have received an email telling me I had a message with Chase app which would have been private and encrypted. Instead they sent an email to my personal email which I felt was a violation of my privacy rights. 

The information contained was alarming to say the least. I am fearful of identity theft due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
I received a letter from AFNI Collections telling me I had a debt of {$750.00} that I owed to XXXX XXXX XXXX. They said I could settle the debt by paying {$490.00}. I have XXXX relationship with XXXXXXXX XXXX XXXX nor have I ever. This request for money is bogus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Back in XXXX, i had all of my information stollen from car. On XXXX, I needed to get a mortgage, but i was denied due to the fact that there was an account on my credit report that was in derogatory status. 

To my surprise, I purchase my 3 credit bureau and i noticed there was an account that i never authorized. I tried disputing this account several times by sending them my police report ( about 7yrs ago ). And had asked several times to send me proof - they never sent me proof. XXXX have been trying to dispute this account since - without any result!! 

This year, again, I tried to get a mortgage. this account is affecting my eligibility. 

I spoke to a manager, the manager asked me, once again, to send proof of my identity theft report or a police report ; ( 5 ) copies of my signature ; copy of diver 's license and social security. I sent them all the information needed along with a dispute letter stating to send me information explaining their findings and actions ( that was was on XX/XX/XXXX ) It literally took then half a day to conclude their investigation. They sent me a voicemail without my phone ringing telling me that they did not have enough information regarding this 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