vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MSW Capital, LLC
State: MD

Complaint narrative:
MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!

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 2017-08-03 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: TX

Complaint narrative:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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 non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago. This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court. Previous response : XXXX XXXX, 2016 Re : XXXX XXXX XXXX CFPB Case : XXXX XXXX Ref # : XXXX OC Account # ending : XXXX XXXX XXXX : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number XXXX and have reviewed your complaint and discussed this with our servicing attorney as well as XXXX XXXX XXXX. Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the XXXX XXXX account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. XXXX XXXX , XXXX is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting XXXX XXXX to obtain the information used to open the credit card, XXXX XXXX , XXXX has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted XXXX XXXX XXXX XXXX to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that XXXX XXXX remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing XXXX XXXX , XXXX a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!

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 2017-08-03 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: MD

Complaint narrative:
On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: TX

Complaint narrative:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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 2017-08-03 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: TX

Complaint narrative:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 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: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.

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 2017-08-03 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: NC

Complaint narrative:
I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

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 2017-08-03 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: NC

Complaint narrative:
I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Shell Point Mortgage took over my mortgage in XX/2016. We got notice of the fact. Two months ago we got a letter saying whats past due. We have NEVER GOTTEN A MONTHLY STATEMENT. I am in bankruptcy. My mortgage is not part of the bankruptcy. I have no online access. They will also not talk to me when I call them.
How many laws were broken here? We have no idea of our monthly payment or interest rate. Have no idea how our payments have been applied. No contact is allowed except they do take my payments!!
HELP!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX I overdrew and account and all monies were paid back when I reopened the account in XX/XX/XXXX otherwise I would not have been able to reopen any checking or savings accounts. In XX/XX/XXXX they went into my account again adjusted it again for XXXX which was paid in XX/XX/XXXX. I disputed it and it was returned. My account was again offset in XXXX for XXXX. I filed a complaint with the federal reserve and all monies was returned again, As of XX/XX/XXXX the loss department headed by XXXX XXXX withdrew it again without notice. I explained that there are no monies owed or I could n't reopen the account he was crass and careless saying the money was owed without any evidence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: GA

Complaint narrative:
I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation