vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, Equifax and XXXX actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the  information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. Equifax has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from Equifax regarding inaccurate information reporting on my file. Once again Equifax has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I sent a letter to Diversified Consultants asking them to VALIDATE the debt that they claim I owe. I was sent a bill that not VALIDATION. I would like for Diversified Consultants/XXXX  to remove this account off my credit file. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

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 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: FL

Complaint narrative:
In the beginning month of XX/XX/2018, I started my process on first time home buyer with XXXX XXXX, during the process I had to put forth XXXX dollars with earnest money for the home I am interested in purchasing. The lenders have made this a long drawn out process, the application was sent to the under writer, and was returned for a few documents, every time I send a document, the next email is for a different document. They have been calling my bank asking for information, calling my employer, asking for information that violates my privacy. I have submitted the same documents over and over. I received a request today asking for a voter registration, it seems I am being racially discriminated against. The more I submit the more they request. A long drawn out process. They continue to state that the reason they are so detailed is because of the down payment assistance which is less then XXXX, however ; it is a great importance for a young single mother such as myself. They dissect every little thing finding a concern they may not be merited. They say the earnest money I had was void cause my dad had giving me money, but the earnest money was paid by me out of my account. Then they stated my income was not enough based on debt to ration, things included that may not be merited, I then asked my mom to come on the mortgage, she agreed, they said she didn't qualify for the Conventional Mortgage, now they are stating I am under the FHA, every step is a hurdle and complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
XXXX, XXXX and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, XXXX  and Transunion actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX  has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX  regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. Transunion has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.

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 2018-12-21 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: GA

Complaint narrative:
Experian, XXXX  and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian, XXXX  and XXXX  actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.

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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Upon careful review of my credit files I found Company " National Recovery Systems '' attempting to collect a debt for " Medical - XXXX XXXX XXXX XXXX XXXX '' in which this is listed on my XXXX, XXXX and XXXX credit report under collection. Please remove this item as this is not reporting accurately and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It  appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false. Furthermore I have never received a notice to validate this said debt. Please explain why this company is reporting this account as collection. Please attach copies of complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: FL

Complaint narrative:
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
I have to say that paying on line with Primary Residential Mortgage Inc. 's  system was a problem. We would like you to know that when we went to pay our payment of {$2800.00} on Friday XX/XX/18 on there web site ( which we have used in the past ) we never confirmed the payment as the web site gave a notice that it was having technical issues and to try back later. I than noted it on my payment stub to retry on Saturday. I went back in on the XX/XX/XXXX and it showed unpaid with a late charge so I confirmed it and paid {$2800.00}. On XX/XX/18 my bank notified me that Residential Mortgage  had pulled two payments from our account which caused us to over draft. We than called PRMI to be told that nothing could be done. They also went ahead and applied the second payment to XX/XX/XXXX payment which we never authorized. This I believe needs to be corrected as we did not authorize the first payment and should be returned due to there web site system being the problem. It did not show paid in there system on XX/XX/18 which cause me to think that it had not been paid. I would of never had paid it with a late charge if I knew it had been paid on XX/XX/18. For a person that relies on my pay check every two week they have no right to take the money and apply it to when they want. We re just asking to have it reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and 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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

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 2018-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I sent a letter off to XXXX XXXX XXXX asking them to VALIDATE a debt and they sent me back a bill that not VALIDATION. I would like for this account to be removed from my credit file. This account is stopping me from getting a house and I would like for it to be removed.Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, a {$380.00} transaction from XXXX caused my Bank of America checking account to be over drawn, a {$35.00} fee was charged on XX/XX/XXXX, which made the account {$410.00}, so on XX/XX/XXXX I deposited {$300.00} into my Bank of America checking account. There was a {$68.00} XXXX XXXX XXXX transaction pending, therefore my receipt stated my balance was - {$180.00}. I planned to deposit the {$180.00} on XX/XX/XXXX, once I had more money ; however on XX/XX/XXXX, I discovered Bank of America, went back and updated their system to reflect my XXXX payment and a {$170.00} recovery fee being deducted leaving only {$25.00} in my checking account. This caused me to have additional fees with XXXX and Bank of America. I contacted Bank of America on XX/XX/XXXX @ approximately XXXX and was on hold for 30 minutes at least, before I spoke with XXXX . Then I spoke with a supervisor from Alabama, Mr. XXXX @ approximately XXXX, whose only concern was the recovery fee, despite me explaining the financial hardship their actions were creating for me, due to my bill payments being returned, causing additional fees, so Bank of America could take the funds as recovery. On at least 2 other occasions {$15.00} has been deducted from my account for recovery without prior notice, days later I receive a notification in the mail. Bank of America has never advised me that they were going to randomly deduct any amount of money they desire from my account, creating a financial hardship for me. I filed a complaint ( XXXX-XXXX ) on XX/XX/XXXX with CFPB because while my daughter was told to submit additional evidence which she did, Bank of America closed the account without notice, while we thought the investigation was reopened due to additional proof provided. I have been had my Bank of America account for many years and I am a XXXX veteran, already under financial strain which my account reflects. The account being recovered from never should have been closed, it was my daughter 's college account, I would have agreed to a payment arrangement of some sort. Bank of America 's actions are unethical and I plead with your agency to open and complete a full investigation because this may be common practice, and the consumer has no defense other than to close their account and have their credit negatively affected.

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 2018-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
The debt if Toyota Financial Services on a XXXX XXXX XXXX that was driven over the lease allowed mileage. 
I was led to believe that if I leased another XXXX the over mileage would be forgiven. 
I leased a XXXX XXXX XXXX XXXX for 3 years but Toyota has continued to harass me. 

XXXX XXXX XXXX The most recent call was from XXXX XXXX XXXX whom I have told repeatedly not to call me that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing an account on my credit file, and although multiple FCRA violations have been clearly committed, this file remains on my credit report. I have contacted Equifax numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XXXX-XXXX  against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Equifax has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Equifax to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Equifax is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

Company response to consumer: Closed with explanation