vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous. 

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Freedom Mortgage Company
State: MA

Complaint narrative:
I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting me, that Freedom Mortgage had made " hard inquiries '' into my credit file. 
This has been without my consent. 
I contacted the company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX I connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded. 
XXXX confirmed the problem was real, and it had been happening to others. 
I asked XXXX where did you get my information from? He stated, XXXX sold them my social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, he never ever took any further calls from me, as I attempted to reach him afer " not '' hearing from the infamous Sales Manager with no name. 
After checking back with the credit bureaus suddenly the inquiries disappeared frm XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified themself as a sales Manager named XXXX XXXX, Who said he too would look into. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either this was a week ago. 

My Husband has experienced the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My credit report ( XXXX  ) shows hard inquiries on me made by Chase Bank every couple months for the past two years. I have never applied for credit with Chase. I have tried contacting Chase directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have sent debt validation notice and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

however, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CO

Complaint narrative:
Hello there, I XXXX XXXX am filing a complaint against a debt collector. I have attached supporting documents. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owed XXXX XXXX XXXX {$6000.00}. I then called, got the runaround was treated rudely and hung up on I disputed the charge and was told that I still owe the debt however, I could send in any documentation supporting my dispute. I also went in to the apartment complex to let them know that I have been formally signed off of this lease since XX/XX/XXXX, for two years they said they had no records they were recently under new management they weren't sure who I could contact at that point. I sent my lease modification to XXXX XXXX XXXX  showing that I was taken off of the lease on XX/XX/XXXX, along with a demand to see proof of the debt ( Copy of letter is attached ). 
I now have some health issues and need a loan to take care of XXXX I was denied. I checked my credit and the debt is still there. I called XXXX XXXX XXXX on XX/XX/XXXX they stated they transferred my debt to another credit company Brett Borland law. 
I then called Brett and Borand Law on XX/XX/XXXX. I explained to them my issues, they were very rude as well. 
I ask if they could point me in the direction of who to call or what management companies name filed this complaint, he told me call XXXX XXXX, I had try to explain they sold the company to someone new and is under new management and if they could please help with some point of contact he said to call XXXX properties. I did call XXXX they said they had purchased the apartments in XXXX, so they do not have any documentation and do not hold the debt. 
Brett and Borland then said I could send in documents that support my claim however, that I still owe the debt, because XXXX XXXX has not released me. I asked for documentation of the debt as well he said they had it however did not offer to send it to me. 
I'm contacting you and also, filing a dispute with the credit bureau, in hopes to get this resolved. In advance, I appreciate your time and taking my complaint on. I felt very lost and felt as if they were going to get away with filing a debt with me that wasn't mine and ruining my credit. I appreciate your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX i called Bank of America due to incorrect information that is being reported to the XXXX   XXXX. I had two accounts which were charged off with Bank of America. 1 of which in the amount of {$260.00}, was paid in full after it was reported to the XXXX  for insufficient funds ( NSF ). My 2nd account which is my savings account is being reported to the XXXX for {$.00} due to fraud. I have called and escalated this issue with bank of america several times and the risk and closure department is refusing to correct this information. How is it possible that both accounts were opened at the same time and closed at the same time but are being reported to the XXXX XXXX for different reasons. When the accounts were originally being closed, i received notification via mail that they were being closed due to ( NSF ), but for some reason Bank of America is reporting my account as fraud which is preventing me from getting an account with anyone. They are refusing to review this information and update accordingly. They are saying it is fraud because i had a negative balance of {$36.00} and my recurring utility payments were charged to the account, but were not paid by Bank of America, and i was charged {$36.00} each time this happened, which increased this balance to over {$200.00} ( which include extended overdraft fees ). I need this fraud remark removed from my consumer report today and commented correctly. I have disputed this information with XXXX XXXX but they keep stating Bank of America keeps verifying this information to be true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XX/XX/2018 - Sent divorce decree awarding me the property and deed as recorded in courthouse. 
XX/XX/2018 - Paid my mortgage in full XX/XX/2018 - Bank sent escrow overage in the names of me and my ex-husband XX/XX/2018 - Spoke with XXXX and told her the problem XX/XX/2018 - emailed information regarding property to XXXX XX/XX/2018 - faxed same documents to where I was directed at XXXX XX/XX/2018 - mailed same documents to Ditech, LLC, Attn. : correspondence, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2018 - I received a letter saying their " research has not concluded. '' and of their " ongoing investigation. '' I've called several times to no avail. 
XXXX XXXX - Spoke to XXXX. She said she would escalate XXXX - XXXX. - Spoke to XXXX. Said he would escalate XXXX - Spoke to XXXX who is going to escalate. They offered to direct deposit into my account if I would give them my account number and routing number. I don't trust them to do that. I asked that they overnight a check. Refused. I asked for a manager. They said none are available. Help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX   XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: KY

Complaint narrative:
My credit report ( Equifax ) shows hard inquiries on me made by XXXX XXXX every couple months for the past two years. I have never applied for credit with XXXX. I have tried contacting XXXX directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX early in the morning lost my debit card issued by Bank of America. 
Woke up that morning with two separate XXXX dollar atm withdrawals at atms not owned by BofA near my home, and charges in XXXX Illinois at a gas station and XXXX XXXX Illinois at a XXXX for a total of around 1,300 in lost money. 

Immediately called Bank of America that morning and the card was inactivated with a new one sent to me. I received only a partial credit of {$300.00} on XX/XX/XXXX which was reversed on XX/XX/XXXX stating that no fraudulent activity had occurred. 

I immediately called my bank and then filed a police report at the local police station and submitted my police report. 
On XX/XX/XXXX Bank of America mailed me and once again denied my charges yet they were fraudulent. 

I have run out of ideas as Bank of America is clearly violating my rights under the electronic funds transfer act. I reported the claims well within 48 hours and am only liable for up to {$50.00}. They refuse to provide valid detailed information stating WHY my claims are not Fraudulent. I have filed a police report and am looking for all avenues to protect my rights and my personal property. 

I can provide more detail such as copy of police report and detailed claim number and amounts.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
On or about XX/XX/2018, I received a phone call from Credit Collections USA about a debt for XXXX. I requested information about the alleged debt and was told I needed to pay. I again requested information and their representative requested my social security number. I refused to provide that information. She stated they would mail me a statement, I never received one. Then I received an alert on my credit report and it was for Credit Collections USA. I called the telephone number listed and verbally requested information about the account, the representative again did not provide any information. I asked if I needed an attorney and she stated they could not talk to me since I had an attorney. On or about XX/XX/2018, I sent them a letter stating I had no attorney and would like information about this account. On or about XX/XX/2018, I sent them a letter requesting validation and did not receive anything. I again sent them a letter requesting validation and received a copy of a copy of a bill from company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I am asking Jared, Galleria of Jewelry and/or XXXX to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I am asking for a signed contract with myself and the company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation