vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the XXXX day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I checked my credit report and saw a negative trade line for Diversified Consultants on behalf of XXXX XXXX. What's odd is, I have a current account with XXXX XXXX at my current address, which is in good standing. So, I'm not sure where this debt is stemming from but i would like someone to research it. 

My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX, GA. 

I contacted Diversified Consultants and they say this is for account number XXXX XXXX XXXX XXXX at my old address XXXX XXXX XXXX, XXXX, GA. I HAVE NOT LIVED AT THIS ADDRESS FOR OVER THREE YEARS, so I'm not sure why there would have been an active account. 

This exact same situation happened to my sister with XXXX. She moved from one address to another, and for some reason, a new account was established instead of transferring her old account. She, too, discovered an issue on her credit. But once she reached out to the Executive office of XXXX, they researched and corrected the issue, crediting back balances not owed. I expect the same exact outcome, and i expect this debt to stop being reported negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.

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 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Flagstar bank mistakenly paid the real estate taxes on my property even though the loan agreement clearly states that I would pay the taxes and that there was no escrow requirement for taxes or any other expense. 
I paid the real estate taxes on time. 
Flagstar is increasing my payment to cover the taxes they paid in error. This is 100 % their error, yet they want me to reimburse them for the taxes they paid in error, and which I also paid to the tax collector. 
I have spoken with them 3 times and the first two times was told this would be resolved. Today they called me and said this is the resolution, that I reimburse them via a payment increase for the taxes they paid and have not received back from the tax collector. 
They at this point are unwilling to do anything different. 
My request has always been and still is that they take this off of my account and that they seek a refund from the tax department. The tax department shows an overpayment and they have said they will gladly refund the money to Flagstar upon their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: FL

Complaint narrative:
I joined XXXX XXXX  gym in XX/XX/2018. When joining I asked about a specific clause in the membership agreement that allowed for cancellation if you moved 25 miles from the gym. The representative, I believe his name was XXXX ( but not the XXXX that owns the gym ) ensured me that this was accurate. I moved ~30 miles from the gym in XXXX. I followed the cancellation policy and certified mailed my proof of address to the 3rd party billing company, NAC. NAC contacted me a few weeks later and said that my request for cancellation was declined because I had not moved 25 miles from my previous address, just from the gym. I wouldn't have signed up had I not been explicitly told contradictory terms. I was told that they are merely the billing company and to essentially take it up with the gym. So I took it up with the owner of the gym. He signed a termination agreement which I forwarded on to NAC. They refused to accept it by stating that XXXX XXXX was not the contract holder. Over the course of our correspondence, I have received an email stating that they ( NAC ) are not the contract holder nor is the gym itself and thus I am unable to cancel my agreement. They refuse to tell me who I supposedly have a contract with. As you will see on the attached membership agreement, I did not willfully enter into any agreement with any person or company other than XXXX XXXX and NAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NJ

Complaint narrative:
All last year I have disputed incorrect information placed on my Experian and XXXX  credit report. XXXX XXXX has placed themselves on my report as me owing a debt to XXXX in the amount of {$1200.00} and stating that the account was opened in XX/XX/XXXX. Experian refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX but is XXXX/XXXX whom I have been with since XX/XX/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 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Statebridge Company regarding my residential mortgage, Loan Number XXXX. This letter is dated XX/XX/XXXX and claims my payment for XX/XX/XXXX was never received. The letter also lists a payment amount due of {$2100.00}. Statebridge has received my payment for XX/XX/XXXX and has processed payment, according to my bank statement. The amount Statebridge is claiming to be the monthly payment due, {$2100.00}, is including an assessment for forced placed insurance. This has been an ongoing issue with this company, demanding payments already received and in amounts including insurance that was not necessary. My property has never been without insurance and Statebridge has confirmed receipt of proof of insurance. The confirmation of proof of insurance was communicated through a response to a previous complaint on this website, CFPB. The gross incompetence of Statebridge Company needs to be investigated immediately.I consider the handling of my account and the communications from Statebridge to be harassment and an attempt to fraud. The stamp used to mail this Late Notice is not the usual postage, but an actual " Forever '' stamp that would have been placed on the envelope by an individual.

The documented history of this issue, on this website ( CFPB ) shows behavior that confirms my claim of being a victim of fraud and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have made several attempts to get incorrect information removed from my credit experian report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for an account that was closed in XXXX and was last paid on in XXXX. 
I have requested that experian validate and provide the copies of information to prove they have the right to put negative items on my credit report. On XX/XX/XXXX I call and emailed a copy of a letter from my Attorney that was sent to the Creditor ; XXXX XXXX XXXX 
Experian updated the dispute on XX/XX/XXXX again to show a negative mark and my credit report is still not correct. 
I can provide a copy of the letter from my Attorney.

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 2019-02-07 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: AmeriCollect
State: FL

Complaint narrative:
I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. 

Confirmation number for payment to be verified is XXXX. 
Account # with XXXX XXXX : 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 2019-02-07 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
All last year I have disputed incorrect information placed on my XXXX  and XXXX  credit report. Convergent Outsourcing has placed themselves on my report as me owing a debt to XXXX  in the amount of {$1200.00} and stating that the account was opened inXX/XX/XXXX. XXXX  refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX  but is XXXX/XXXX  whom I have been with since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX position. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start XXXX XXXX for the company and XXXX XXXX XXXX XXXX XXXX XXXX. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with XXXX XXXX and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called XXXX to ask them what happened and they told me that this was not my account and that I was not authorized. Chase Bank credited my account with the fraudulent transaction. I called Chase and they simply refuse to cooperate. I asked them several times during the phone conversation that why don't banks feel they have a responsibility to verify authorizations prior to moving monies? Every time I brought this question up the conversation would take a hard left. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.

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 2019-02-07 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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I spent 50 minutes on the phone with experian because of an anthem breach to have activation code activated and they were no help whatsoever I had plenty of problems and as I said over 50 minutes on the phone and they still could not help me

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 2019-02-07 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: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is  clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, 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 2019-02-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019, I received an email from Experian that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is XXXX XXXX and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and Experian and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX immediately removed the account from my credit report. However, Experian has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with XXXX XXXX, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on Experian. I have spent countless hours on the phone etc trying to get this rectified to no avail.

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