vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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: ERC
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification from my credit monitoring service that a new collection account had been placed on my credit file. Upon investigation, I was able to determine that Enhanced Recovery was attempting to collect a debt from XXXX XXXX XXXX. I never received notice of this account in the mail to provide me with an opportunity to dispute it prior to it appearing on my credit report ( s ) as per FCRA guidelines. I explained to the representative, XXXX, via telephone on XX/XX/XXXX that this same account had been disputed as fraud with XXXX XXXX XXXX last year, and I had no idea why they would now attempt to send it on to a different collection agency for collection. XXXX stated that she would mark the account as fraud and collection efforts would cease by their company pending an investigation into the matter. However, she was unable to provide me with a date for when the information would be removed from my credit. I explained to her that I was in the process of seeking financing which was why I am watching my credit so closely. It is important to note that this is the only negative account on any of my three ( 3 ) credit files at this time. As such, this account is having a severe impact on my credit score. This account remaining on my credit file for any length of time will cause my family a severe undue hardship. As I never received notice of this account prior to its being placed on my credit file ( s ),  along with the fact that it was previously reported to XXXX XXXX XXXX as fraud, I need this account removed from my credit file ( s ) immediately. I can not wait 30-45 days for their investigation to conclude ; the update needs to happen now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
- Credit Score won't appear on web page through XXXX for TransUnion - When I tried to check on TransUnion 's website I was automatically signed up for monthly credit monitoring for {$20.00} a month without my knowledge or permission! This is never made explicit or clear to the consumer when navigating their website and seems completely fraudulent

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 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello Dear CFPB I have XXXX Reward with Barclays Company since XX/XX/2013 and with limit XXXX and wanted to have credit limit increase but was turned down which is very unfair in my opinion because i have great credit almost no debt base on XXXX  XXXX and XXXX XXXX. I do not want to put charges on my card because i will max out my card. I spoke with manager. XXXX Employee Id number XXXX and also was truned down. I want to use card and earn rewards.

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 2019-06-06 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: ID

Complaint narrative:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.

IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.

XXXXXXXXXXXXXXXXXXXX;XXXXXXXXXXXX(OriginalCreditor:XXXXXXXXXXXXXXXX)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 2019-06-06 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: GA

Complaint narrative:
Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX balance since XXXX XXXX, yet XXXX XXXX has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. XXXX is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. XXXX is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that XXXX XXXX has a XXXX   balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. XXXX still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.

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 2019-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: DE

Complaint narrative:
I chose to switch lenders due to the mortgage broker attempting to lock me into a mortgage with an inflated rate at the last minute. The mortgage broker was working with Plaza Home Mortgage so I reached out to them for instructions on how to begin the process of transferring the appraisal that I paid for to my new lender. 

I sent an e-mail on XX/XX/19 with a list of items that the new lender needed for the appraisal transfer. After a week, I reached out for a status and was told that it was still being processed and that there was no time frame for when I could expect the documents. The first time I called about this, I was told this would be processed in 24-48 hours. 

The items requested were the appraisal, xml, ssr and invoice. While I'm not clear on what an ssr or xml, I assume that they're items that can be electronically transferred like the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX   XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX  ( ORIG CREDITOR : 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 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I sent Certified Mail a dispute to Portfolio Recovery and to request validation under FDCPA. I asked for additional items to be provided. On XX/XX/XXXX I received a response stating this account was sold to them and they included their electron file stating a balance of {$1000.00}. They failed to provide enough information to validate the debt. on XX/XX/XXXX I sent them a certified letter stating they have failed to validate debt. They have not provided any of the information I requested nor did they provide a signed contract showing my liability. They have not provided proof that they are authorized by the original creditor to collect on this alleged debt. On XX/XX/XXXX they Responded with additional attachments to support their validation. The attachments were copies of the credit card bill which does not validate this debt. The billing statements they included are dated for XX/XX/XXXX & XX/XX/XXXX yet they are reporting that XX/XX/XXXX these items were placed for collection. They are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
XX/XX/XXXX received notification from my employer my wages were being garnished XX/XX/XXXX. I sent a certified letter requesting information of the name of the original creditor, the amount owed to that creditor at the time it was transferred, a copy of the last billing statement, and when the creditor claimed the debt became due and when it became delinquent. XX/XX/XXXX I received a court document with a different attorneys name ( dated XX/XX/XXXX ) and a typed written letter citing original creditor was XXXX with a current stated balance {$10000.00} dated XX/XX/XXXX. I have obtained a copy of all three of my credit reports and indeed there is a student loan from XXXX for a student loan opened XX/XX/XXXX {$10000.00} it was transferred to another lender and closed XX/XX/XXXX my credit report supports I paid as promised 4 years until the account was closed. I filed for a claim of exemption and the attorney sent notice of opposition and a notice to appear XX/XX/XXXX ( memorial day ) when the courts were closed. I did call the court and verify the date, so I would not miss court. The judge would not review my credit report as a character reference.

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 2019-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a complaint about this issue, that XXXX XXXX keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if Equifax was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, XXXX  XXXX that should be removed and was closed prior, made an update and a comment and EQUIFAX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, Equifax never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
New Complaint.

I had a credit card with Discover Financial Service with Cash back rewards for purchase! Discover NEVER gave me any of the promotional and contractual cash back rewards!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: GA

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 FI XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Ive been charged by XXXX  XXXX when I have never opened a XXXX account. The dates say between XX/XX/2019 til XX/XX/2019. I dont have a XXXX  account nor have I ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I previously submitted a complaint about this issue, that Sun Loan keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if XXXX was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, Sun Loan that should be removed and was closed prior, made an update and a comment and XXXX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, XXXX never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.

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 2019-06-06 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: OH

Complaint narrative:
JPMorgan Chase Bank has failed to return my {$8400.00} credit balance when I mistakenly paid approximately {$8600.00} rather than {$86.00}. When I called them on XXXX-XXXX-19, they said my money would be returned to me within 7 to 10 days. However, when I called today, XXXX-XXXX-19, they still have not returned my overpayment, i.e., the {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( ORIG CREDITOR : 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 2019-06-06 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: IL

Complaint narrative:
Student loan that appears on my credit report is not mine. I've submitted an FTC Identity Theft Affidavit but, the loan still appears on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: GA

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 XXXXXXXX  ; XXXX XXXX XXXXXXXX ; XXXX   XXXX & XXXX XXXXXXXX ; XXXX/XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy 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 2019-06-06 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: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
Advanced Resolution Services , Inc., This letter serves as a response to your letter dated XX/XX/XXXX. I have been seriously harmed for false credit account information ARS has provided to credit requestors listed under the section titled Credit Card Unauthorized Use Report Section. I do not recognize these false accounts and they do not belong or have anything to do with me. These accounts are listed below. My credit report was obtained illegally because the companies who viewed it did not have the right to do so, therefore, inquires and/or false accounts can not legally stay on my report per FCRA. 
The FCRA provides legal action against a credit reporting agency, or any other person or entity that violates the law, for negligent or willful noncompliance with the law within two years after discovery of the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Under the FCRA, there are provisions for actual damages, including court costs, attorneys fees, lost wages, and defamation and intentional infliction of emotional distress.

I understand that ARS may not be interested in fixing  inaccuracies because doing so is contrary to what your objectives are ; to satisfy the furnisher of the information ( creditor ). Therefore, I have requested an investigation on ARS, Inc. with the U.S. Consumer Financial Protection Bureau. 

I am requesting you ( ARS ) to investigate the following inaccurate and/or fraudulent accounts and I want them removed by suppression technology ( not blocked ) so that they will not falsely reappear :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: GA

Complaint narrative:
Fraudulent accounts are appearing on my Experian credit file. I have file identity theft report to make bureaus aware of this incident. I was told by Supervisor Mr. XXXX in the fraud department with Experian, if I file FTC identity theft report. The accounts in question would be blocked. I have taken the liberty to do just that. However, the following account contain in this complaint still remains on my credit file. I have been unable to obtain credit due to someone using my identity to cause me harm. Please assist me CFPB in resolving this matter. I became aware of this incident when applying for a mortgage. Thanks for your time and attention in regards to this matter.

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