vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
Debt collectors employed by Stenger & Stenger P.C. ( " Stenger '' ) by the name of XXXX XXXX ( " XXXX '' ) and XXXX XXXX ( " XXXX '' ) who falsely identify themselves as an Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for a consumer credit transaction that I initiated for a credit card on behalf of Absolute Resolutions who purchased the debt from XXXX  XXXX for a XXXX XXXX XXXX XXXX XXXX. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to initiate credit sales or share my private identifying information with anyone. XXXX XXXX and Stenger & Stenger P.C. also did not have the permission from a court of competent jurisdiction to communicate with me. This was all done for monetary gain and greed. XXXX and XXXX took legal action against me by filing a lawsuits against me. I was never properly served legal documents. They did not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. A default judgment was ordered against me. They took legal action against me in a county I did not reside in. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. Stenger is also invading my individual privacy by accessing my Employee Data report through XXXX  in order to locate an employer I do not have to resume garnishing wages I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
I first knew about the " debt '' when it went on my credit report on XX/XX/XXXX. I never recieved a letter to notify me of the supposed {$310.00} debt. I called Paramount Recovery Systems immediately after I noticed it on my credit ( the same day it went on there, XX/XX/XXXX ) and the woman I spoke to told me that the only thing I could do was " pay the debt, there is no other way to get rid of it ''. Obviously I know this is a lie, I soon contacted the originator of the debt and they no longer use the company that reported the debt. I contacted my insurance company and they informed me that the bill was paid back when services were rendered in XXXX. I immediately had the insurance company send proof of this to Paramount. Paramount confirmed the receipt of the EOB to me personally on XX/XX/XXXX, and even provided the name of the person from my insurance company that sent it. Since then the account has been removed from only one ( 1 ) of my credit accounts. After noticing this I immediately disputed the account on the remaining two ( 2 ) credit accounts, and Paramount told both that the account was accurate. On XX/XX/XXXX I had my insurance send another EOB to paramount with me on the line as well. Now it is fifteen days later, and nothing has changed with my credit accounts. I haven't heard from paramount, and they do not pause the account while " confirming the accuracy of the account ''. This has now been damaging my credit exponentially for nearly two ( 2 ) months and has been reported as " late '' every month since XXXX. I would like assistance in getting this cleared, because this is damaging my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied Chase Saphhire preferred and was denied because Chase 's system has a glitch in which it thinks I already have that card when I have already closed the card more than 48 months ago. 

This is a system issue I have with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
XXXX XXXX XXXX transferred ownership of my Home Equity Loan to XXXX XXXX XXXX  ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to XXXX, XXXX, and Transunion. XXXX  made these reports and knew that their records were incorrect. XXXX claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with XXXX without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX  has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.

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 2021-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to Experian, XXXX, and XXXX. XXXX  made these reports and knew that their records were incorrect. XXXX  claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with Experian, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with Experian alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to send AMEX a letter last XX/XX/2021 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AMEX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information.

I never received any response from them and they did not update the credit report as disputed.

AMEX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

I have attached a copy of CFPB Mandate on Removing Items on Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I pulled my credit report and there was a debt collection agency by the name of Caine and Weiner asking for the amount of XXXX. I have never done any business with this company. I sent the company a letter dated XX/XX/2021 to ask them to valid or verify that this debt is mine. The company sent me a final bill from an insurance company with an amount owed of XXXX, The company did not verify with a signed contract, with a list of services that I was contracted with them. The company also did an hard inquiry with my authorization and inaccurate information is being reported on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I do not know where this debt comes from. I have not been in the US for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've been a long-term customer of Bank of America.

My bills have always been paid AUTOMATICALLY each month with recurring payments.

Due to a problem with Bank of America 's website, the automatic payments wasn't deducted in XXXX XXXX. 
I received a letter from Bank of America in XXXX XXXX about the past due balance and I immediately resolved it. I spoke to Bank of Americas TWICE - both times they apologized and said they would submit a correction to the credit bureaus. 
In early XXXX XXXX, I noticed that the credit bureaus were still showing " LATE 30 DAYS ''. I called Bank of America and the rep suggested I write a letter which I did ( see attached ).

Bank of America has refused to FIX THEIR ERROR. It's very upsetting as I have a perfect credit report other than this ERROR.

Thanks for your help. 
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 monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
As stated in numerous prior CFPB complaints filed since XX/XX/XXXX, a closeout check in the amount of {$4200.00} was not received, intercepted while I was on vacation. Prior to this, I deposited check into my XXXX account, now XXXX XXXX, on XX/XX/XXXX, left for vacation the next day. A stop payment was placed on check prematurely by Capital One rep, check reissued and sent XXXX next day. It was intercepted and cashed by another party, my signature forged, which I've detailed numerous times in prior complaints in re. An affidavit was signed, sent in to Capital One, did not hear back in re, reps do not have any information. The bank check was cashed at, XXXX XXXX, did not receive any information from Capital One and since reps on Capital One side refused to reach out to XXXX XXXX, I had to look up person whom cashed check and attempt resolution. I spoke with person at length, agreed to reimburse me but check provided did not clear my bank. Needless to say, I am still owed funds from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On a good will request, please remove the late payments affiliated with account # XXXX understand how paying on time affects my account and went through bad times in my life, which we all go through. I am a current on time paying customer with your bank and would consider continuing my experience with yall if this good will request is accepted. Verification PDF 's are attached to confirm my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I thin

k I was involved into check scam. the guy tend to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. I make the deposit because I think the bank can check whether it is real check or not. then the check is withdrawn by the bank. The check is fake, and I lost service fee. why bank close all my account. I called the bank but there is no explaination. I reported on ReportFraud.ftc.gov

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am having trouble getting credit. No one will give me a credit card. My credit score has not moved in months and I am trying to buy a home. I think my credit has been taken by family or friends, also bank accounts have been hacked on money is being taken out of my account. Please review. 

XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX i submitted a dispute to Transunion and XXXX  disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: FL

Complaint narrative:
TRANSUNION DID RESPOND TO MY XX/XX/XXXX CREDIT DISPUTE ON XX/XX/XXXX BUT DID NOT GIVE ANY REASON FOR NOT TAKING ANY ACTION. I PROVIDED SPECIFIC REASONS AND PROOF FOR XXXX XXXX  INCORRECTLY MARKING THE XXXX, XXXX PAYMENT ON LEASE A/C # XXXX AS THE BANK RETURNED THE TIMELY PAYMENT MADE ON THE ACCOUNT IN XXXX, XXXX. NO REASON GIVEN. THE CO-LESSOR, MY SON XXXX XXXX, MADE THE PAYMENT ON A TIMELY BASIS. XXXX XXXX  RETURNED THE PAYMENT INCORRECTLY WHICH CAUSED THE DELINQUENCY. TRANSUNION DID NOT PROVIDE ANY REASON WHY THE BANK RETURNED PAYMENT. THEY DID NOT PROVIDE ANY DETAIL OF RESEARCH OTHER THAN TO SAY THEY WILL CHANGE NOTHING.

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I did not purchase Air line tickets from XXXX XXXX XXXX XXXX a phony travel agency for {$580.00}. 

My US BANK Account ending XXXX was charged. I disputed it with U.S. Bank see attached XX/XX/2021 document. 

In a boiler plate letter dated XX/XX/2021 from US Bank stating that " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. 
Unfortunately, you did not cancel the merchandise prior to the date of the transaction. '' My dispute had nothing to do with merchandise. The dispute was based upon a fraudulent air line ticket charge to my U.S. Bank Card ending XXXX. I did not order the airline tickets for {$580.00}.

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 2021-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation

Complaint narrative:
We had asked for a Loan Modification with PHH MORTGAGE XXXX  and I sent in everything for it on XX/XX/XXXX and just spoke to a representative on Wednesday the XXXX and they are still charging late payments and also sending it to the credit bureaus when we were under a forbearance plan due to XXXX! My wife is recently diagnosed with XXXX  XXXX and XXXX and XXXX due to her having XXXX  last year! PHH MORTGAGE ALSO REFUSED TO PUT US ON ANOTHER FORBEARANCE EXTENSION. We had only been on a forbearance since XXXX since we made our mortgage payment for XXXX. They have had multiple lawsuits against them due to this same problem! And I have sent multiple emails to the company and they have yet responded back when we asked the first time about the forbearance extension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation