vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
After receiving notification of this debt from my credit report, I contacted the agency several times. First contact was XX/XX/2019. They responded. The information provided to the Credit Bureaus is INACCURATE. My initial dispute with this agency is that I do not owe them. I owe their client. And they are misrepresenting this within my credit file. I asked them to remove/delete this item. They refused. The debt they say I owe them is one in which they purchased from another creditor. This is a violation of the FCRA to have a 3rd party entering information in my credit file. I did not receive any services from this agency and therefore they have no permission to include this debt as owed to them within my credit files.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX {$1000.00} Original date of service : XX/XX/18 Sold to Miramed Revenue Group I went to the my Doctor 's office for something that should not have been sent to a lab for results. I was not aware of this cost of {$1000.00} or I would not have consented to the lab work being done. In the past I was treated with a prescription, but this particular nurse practitioner had repeatedly wanted to send things to the lab. 

I got the bill and called the Doctors office. They told me it was just too bad, & my responsibility to pay it. 

The results even indicated that all I needed was a prescription to remedy the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: VA

Complaint narrative:
I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction Equifax and XXXX  for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AL

Complaint narrative:
I have incorrect information listed on credit report. I have disputed online and via mail with no results. The following accounts are listed incorrectly XXXX XXXX XXXX which is an account that has been deleted and removed for over 7/8 years and also 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 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

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 2020-06-15 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: TX

Complaint narrative:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

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 2020-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
In XXXX of XXXX Greentree Mortgage sold my mortgage to Ditech Mortgage who as of XX/XX/XXXX has gone out of business and transfered all of their remaining mortgages to XXXX XXXX dba XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that they just happened to have missed that my FHA PMI had been charged to me from XXXX of XXXX to XX/XX/XXXX ( just a slight 4.5 years of errors ) or {$1300.00} of over charges. Now what's interesting is that when I contacted Ditech in XXXX after they had sent me an increase to my payment from {$530.00} to {$550.00} for {$90.00} of a XXXX city tax increase and a {$14.00} annual home insurance increase, I challenged them on these increases but paid {$530.00} so not to have a late underpaid payment on my record. In XX/XX/XXXX I finally got a review of my mortgage by Ditech and they dropped my payment from the {$550.00} to {$500.00} which I paid {$500.00}. Unbenownced to me, Ditech having filed for bankruptcy in XX/XX/XXXX had passed all of this {$550.00} misinformation to XXXXt and never told them about the FHA PMI issue. Can FHA return my excess payments of {$1300.00}? Is there a bankruptcy fund for Ditech that I can file a claim against or can this be credited to my new XXXX mortgage?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: VA

Complaint narrative:
I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction XXXX  and TransUnion for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.

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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
On XX/XX/2020, Sunday at XXXX an intimidating, XXXX man showed up at my door.He had no identification and was wearing plain clothes. He stated he was from XXXX XXXX. ( Not GAT ) I told him through the door to leave the mail in floor in front of my door. I have attached what he left on my door mat. 

Misrepresented Court Documentation Please note : The man left a loose packet of papers. There was no envelope.The paperwork says Summons. There is no summons number. There is no notice to appear report date, time, or location. The packet is missing a page ( s ) as noted by the remnants of a page ( s ) still being attached to the stapler on the left side of the paper. The document is in different fonts and sizes. 
Apparently, this case was filed on XX/XX/XXXX.The response ( see attached ) to my first letter states that I must respond before XX/XX/2020. How could this case be filed in court prior to the required response date? 
Also, it is XX/XX/2020. I have not received a response to my second certified correspondence ( sent in XXXX ) asking to resolve this amount for 15 % of the amount you are asking, due to me being non-renewed at my job. 
I also shared that the original debt bought by your client was due to Hurricane Harvey. My family and I had to relocate and I ended up filing for unemployment. The documentation that you previously provided does not justify the amount that you are stating that I owe. The amount that you are seeking is inflated considerably. I do not have the money you seek. 
I am asking that you cease communication with me or send official Court Correspondence. The packet you sent ( with pages missing ) did not provide me any documentation regarding the court report date or time to appear. It is missing a summons number, which will make it hard for the court to identify the case. If I fail to appear a warrant will be issued for my arrest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
This company is reporting an inaccurate $ XXXX account on my credit report. I have contacted this company on several occasions but they state that their law office is handling this account. I have contacted this alleged company on several occasions and have not been able to resolve this issue. I contacted the original creditor who was not able to assist me with this because the account was sold they stated however the company National Credit Systems Inc is not a company that they are familiar with however again they are the company reporting this account on my credit report. I have requested documentation specifically from this company and they have yet to provide. I want them to provide proof of ownership, chain of custody, or evidence of assignment showing that they are the owner of this debt. It is my belief that this company and alleged lawyer office have some kind of illegal contracting going on. In almost 2 years I have been bounced back and forth. I want this mess remedied and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I spoke to a capital one rep that agreed to not report my Credit card payment late due to covid. Sadly they lied. I called them to let them know that it still showed on my credit and I was disappointed by this because I was informed that it wouldnt. I was then told its nothing they can do but I can file a dispute. The account is paid in full as I told them it would be before the next bill was due. I would like for the late payment to be removed because I was told i would not be penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX I had consolidated my debt with major bank companies using XXXX XXXX XXXX. As of XX/XX/XXXX, with only {$4000.00} left out of the initial $ 11,000+ I had in debt, XXXX had to drop me due to my unemployment status. I had worked with other banks on understanding specific information about my employment status and how I have been working on these bills and has reflected when these banks had worked with my by differing these payments and nullifying any compounding interest. Citibank took another approach, and had been exponentially raising their price. I had received a personal check from my father which was not in the window of my claim for unemployment insurance, and had hoped this would help get them specifically off me and lower their insanely high minimal payment due to the late duration. They had agreed verbally, but then I suddenly stopped receiving my unemployment benefits. I had asked my father again to help with a check but the check was held, and still is, until the XXXX. Given no reason as to why, the Citibank minimum payment has compounded and raised to a ridiculous amount and is not plausible to me anymore to make as a payment while still making a payment on my other bank accounts. Citigroup is known to have a plutotomy style driven goal for their future, and they see this horrible pandemic as a gateway to their ultimate purpose. Please understand that I am trying, and I am working closely with IDES and my old employer to get my funds in order and Citigroup has made it nothing but difficult.

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 2020-06-15 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I try to resolve this account with the collection agency. Professional debt mediation. 
i request verification of debt of this account the belongs to XXXX XXXX XXXX. 
on or about XXXX of 2019. I never received any response. 
I never owed this company any money and further more the original creditor sold the complex to another company and is no longer the original owner of this complex

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

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 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for the 5th time can Transunion and XXXX  please correct the Phone Number on my Fraud alert. The number they showing is some number that i never had, this is how i have so much Identity theft on my report Please Transunion and XXXX   update my phone number to XXXX that is my correct number.

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 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

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 2020-06-15 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: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital company Originally : 12 XXXX Debit card This account was sent to collections in XXXX I made a purchase, A few days later returned the item, it showed up on my bank account as a double purchase instead of a return. 

I disputed it with my bank and XXXX sent it to collections. It has been reported incorrectly as being in collections in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: ERC
State: FL

Complaint narrative:
i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. 
I haven't heard back from this company.

Company response to consumer: Closed with explanation