vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am currently receiving collection letters from XXXX XXXX ( collection agency ) on behalf of XXXX XXXX. XXXX XXXX is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted XXXX XXXX to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Transunion to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), XXXX continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. I am writing specifically about the XXXX XXXX collection on my credit report and XXXX XXXX. XXXX and XXXX are collection companies and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. Moreover, XXXX continues to use " XXXX '' and refuses to do perform a proper investigation. TU continues to ignore the incorrect information s I've sent letters to XXXX and they have failed to validate the debt. The account is reporting and listing " a past due '' and collection accounts can not report payments or list " past due amounts on credit reports ''. Listing a past due is a violation of FCRA - and listing a past due on a collection denotes payment history ; thus, how can a collection be past due? It either has a balance or it has no balance ( it can not be also past due ). Further, the account is listing terms - how can a collection account list terms? I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. According to XXXX versus TU - the burden of proof is on the CRA and simply calling something verified is not proper FCRA investigation. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to MANAGE BY MYSELF security freeze online on equifax website. But I'm getting message that additional identification information is needed. From last XXXX (! ), I'm trying to solve it, but the only thing that equifax company is doing : they freez/unfreez credit score. I dont ask them to do it, I'm asking to be able to manage BY MYSELF my freeze online on equifax website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX   XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 9XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
As of XX/XX/XXXX {$670.00} was posted to my credit report on behalf of XXXX thru Sources Receivable Management. I have never received any paperwork from XXXX that monies were due. I have not been a customer since XXXX. I have submitted multiple disputes from XXXX til now stating that the information is incorrect. I have also requested proof of charges for the debt and to no avail. I have also asked that if the debt can not be proved to remove from my credit profile. I have no knowledge of what is owed and why and that any attempt was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Shame on you CFPB how can you let this continue to happen, always all kinds of problems when companies use an auto dialer. I filed a complaint weeks ago and the company responded saying they found no proof. 

I am still to this day, even after contacting them in XXXX! We are still receiving receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is XXXX XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. It is calling my landline phone consistently daily, not allowing to be opt out. Calls come from these numbers which if called, it rings busy. They are even spoofing the phone number to be XXXX XXXX XXXX I believe I am due damages of excessive calling and not allowing me to opt out of these messages, it leaves messages on the machine which indicate it is a debt collector. I have called asked them to stop one time it was a live person and I advised them it was a wrong number and advised them never to call the number again. they resumed calling the next week, and still do as of today. This time it is XXXX XXXX, last time it was. I even put this information in the followup complaint with CFBP that they are calling my phone number ... They are still calling my phone number they are calling 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 2019-05-26 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Midland Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), Midland Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. Midland is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company  has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to Midland and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. Midland is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the collection company about a debt, they have sent me a letter proving they reported the collection as being paid. I believe it was only XXXX dollars The derogatory mark is still on my report. I paid this back in XXXX of 2018. This is hindering my credit score and holding me back from my goals.

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 2019-05-26 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: EOS Holdings, Inc.
State: FL

Complaint narrative:
I requested proof of ownership, with any documents bearing my signature as proof and all I received was an itemized bill. Then On XX/XX/2019 it was removed from my credit report, only to see it back on my credit reports and I am again receiving letters and phone calls regarding this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'm filing this complaint against Wells Fargo Bank NA and XXXX XXXX XXXX XXXX because in XX/XX/2010 a foreclosure action was filed against my property for {$200000.00}. and since that time i've been attempting to get a mortgage loan modification.I sent in the mortgage application, a financial hardship letter and in it I state that excessive credit card debit and a loss of job income caused me to fall behind on my payments.and I also stated in the letter that my wife was diagnosed with a serious health illness that forced her to resign from her job because she could no longer continue working.she then applied for Social Security XXXX benefits that she now receives monthly. I've been forced to hire several different attorneys over the years to defend my rights against each foreclosure action that's been brought costing me thousands of dollars in fee 's which has caused even more of a financial burden which is getting more expense the longer this situation continues.My attorney XXXX XXXX XXXX XXXX. can be contacted at ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Customer Number : XXXX. 
On XX/XX/2019 myself ( XXXX XXXX XXXX ) was approved for a Secured Capital One MasterCard, where I deposit {$49.00}, and receive a {$200.00} dollar Credit limit. And where the Deposit is refundable. Also after 5 On-Time payments will receive an increase in credit. See attached XX/XX/2019 email.  After mailing Lawful Payment via Money Order dated XX/XX/2019 ( see attached ), the Lawful Payment was refused, See Capital One letter dated XX/XX/2019. Also, lawful payment via XXXX Visa Debit Card are also refused. Capital One only accepts personal Check 's, or checking account with bank tracking number. This strips away the Consumer Protection when paying via XXXX Visa Debit Card the payment will only be authorized if there is sufficient funds in the checking account, thereby avoiding Overdraft Fee 's of {$36.00} dollars, a Consumer Protection granted by Act of Congress. Capital One is surcomeventing ( getting around, undermind ) this Consumer Protection by demanding a personal Check or Bank Tracking number and Account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted complaint ID XXXX and received a response that Chase did not recognize me as their customer. My concern is that Chase is not exercising ordinary care in honoring checks that are presented to be debited from our accounts or in addressing errors made by Chase when brought to it's attention. I identified 3 instances, two for which I am authorized on the account. I will attach the documentation so that Chase has the account numbers and can verify my authorization. I have already confirmed with Chase subsequent to receiving the closing of complaint ID XXXX that I am authorized to discuss these accounts. The third is my mother 's personal account and she will be submitting a separate complaint for it. 

First error - Chased honored a single check number # XXXX twice and didn't catch it. Copies attached ( checking account number on the check copy. ) Second error - Chase submitted a loan payment to the issuing bank twice. I made 5 loan payments that day - 3 from a XXXX XXXX XXXX operating account and 2 from a Chase operating account. Chase submitted the 3 XXXX XXXX XXXX loan payments twice. When I brought this to Chase 's attention at the branch where I made the payments, I was initially dismissed and was told they could not do anything. I escalated this through our commercial loan contact, but it was mishandled every step of the way and I was never given a satisfactory answer as to why this only happened with my XXXX XXXX XXXXXXXX accounts. They stated it was a duplicate batch error, but if that was the case the Chase accounts should have been debited twice as well. You'll notice that the check number was not submitted to XXXX XXXX  XXXX with the duplicate debit. Copies attached ( Chase loan numbers in the memo section. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: Midwest Recovery Systems
State: PA

Complaint narrative:
I dont have exact dates but this collection company showed up on my credit report ( Midwest Recovery for {$180.00} ) had contacted them and they wanted my SS # to talk with me and I refused. They claim {$180.00} is from a medical bill from XXXX XXXX I never was there!! they did say it was for a XXXX XXXX, but not mine. I tried several attempts with XXXX to get this resolved but they are a joke..But XX/XX/10 of this year had to go for XXXX  for my XXXX  and the XXXX office ( XXXX   XXXX XXXX XXXX XXXX XXXX ) had my info. in computer as XXXX XXXX. XXXX XXXX, wrong phone # etc ... NEVER lived there, I gave current address of XXXX XXXX XXXX XXXX Pa. XXXX to XXXX. visit and they claim they had the wrong person as me.. This is not fair that companies can pit a claim or hard hit against my credit report even when I have a lock on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I booked an international hotel through my XXXX chase credit card which I paid approximately {$100.00} in cash and the remainder in rewards points. I followed the check in instructions and called the property 24 hours prior to check in. XXXX, the contact person confirmed everything was fine and set for my arrival. 

The day of as I am on my way, XXXX contacts me to tell me she made an error on her part and decided to rebook me on the other side of town at a downgraded hotel without asking my consent. She refused to honor my reservation. 

I called XXXX and the representative placed me on hold even after I told him I am calling internationally and would prefer a call back, just to tell me there's nothing he can do and he can not refund me. All he can do is transfer me to another department that can rebook me else where and I would be responsible for the difference. 

I had already reached the hotel by then since we were in the taxi already and now I have to stay in a downgraded facility with no AC or WIFI and I am paying the price for this error that was not on my end.

Company response to consumer: Closed with explanation