vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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: GA

Complaint narrative:
I have sent and writing multiple times asking Experian to verify the information they are reporting is corrected with the actually signed contract. They response is they will not re-investigate and they verified as correct.The 609 law stated that they have to have actually proof that its mines and provide me with that. They have failed to do so. I even sent in Identify Theft form for one of the accounts. The accounts in question is 1.XXXX XXXX XXXX  2 . Bankruptcy XXXX 3. Bankruptcy XXXX 4. XXXX XXXX XXXX 5.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 2018-05-03 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a student loan with Navient with the original balance in XX/XX/XXXX showing as XXXX. I received a letter that same date from XXXX, XXXX, and XXXX stating that they would be drafting {$60.00} from my account to begin repayment on this debt and were assuming the debt from Navient. From XX/XX/XXXX till XXXX of XXXX I consistently paid to the aforementioned debtor in an effort to satisfy this debt. I later found out that this payment was not being credited towards the loan from Navient and Navient stated they showed no record of having sent this loan to an outside party. During this time, I received several late payment reporting on my credit report which significantly impacted my ratings. Additionally, my credit report currently shows a past due charged off balance of {$3700.00} and the account is closed and has reopened with a new account balance of {$9200.00}. I would request that the late payment history be removed from any existing opened and closed reported accounts associated with Navient and that the account be updated to reflect a current payment status with no past due/charge off balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to Trans Union, XXXX and XXXX   regarding XXXX XXXX XXXX/XXXX for {$2300.00}, XXXX XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.

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 2018-05-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond. 
4. Proof that the Statute of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature. 
7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 

Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A refund check was issued by a Title company to refund my earnest money deposit on a home contract that fell through. They cut a check from XXXX XXXX, signed by two people, on a printed check. They are holding the check for 7 business days and refuse to release any funds, there are no reasons to suspect that this has any reason to be unpaid ( it is a refund of earnest money from an escrow account ), nor any overdraft history, the account has been in good standing for 18 years at the bank, and the check was for less than {$5000.00}. This violates the Expedited Funds Availability Act and the bank refuses to cooperate and expedite the clearance of the funds.

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 2018-05-03 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: FL

Complaint narrative:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2018-05-03 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: FL

Complaint narrative:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore the debt has not been validated, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I mailed Synchrony Bank / XXXX XXXX XXXX an FTC Identity Theft Report on XX/XX/2018 and received a letter back from them denying my fraud claim due to " Customer benefited from use of card/participated in the purchases ''. I did not make any purchases from Synchrony XXXX XXXX XXXX XXXX. Why haven't I received a detailed investigation? I received one single sheet of paper denying my fraud claim without a proper investigation. 
An address was listed on this account that has not or ever been my home address. I am demanding a proper investigation and demand a detailed investigation be mailed to 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 non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Prosper account on my Equifax still shows a balance of {$5000.00}. This prosper account has been paid in full and should show a balance of {$0.00}. Please correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I HAVE A TD CHECKING ACCOUNT WITH MY KIDS AS BENEFICIARIES. 

MY KIDS WERE SENT UNSOLICITED, TARGETED CREDIT CARD OFFERS FROM TD BANK. 

I WANT THIS PRACTICE - OF BANKS USING PRIVATE BENEFICIARY DATA TO MARKET THEIR ACCOUNTS AND SERVICES - TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ACRANET INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX Acranet-XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX is currently being reported by Equifax on my credit report. I filed a dispute with all 3 bureaus and sent them a copy of my FTC identity theft report along with the explanation of the fraud account. The account was quickly remove by XXXX and XXXX   but Equifax still continues to report it. The FCRA holds each bureau liable reporting 100 % accurate information. This account is not accurate nor can it be considered valid if it's a result of fraud. Please help me resolve this matter once and for all. I would not want anyone to have to endure such aggravation after dealing with such a tragedy as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: GA

Complaint narrative:
Direc Management INC has been inaccurately and unfairly reporting a joint account which they claimed I am remain in debt too. The beginning amount owed, according to their reporting, was {$1800.00} dating back to XX/XX/XXXX. 

Since this time Direc Management INC has increased the balance by {$5.00} each month in an attempt to cause further harm to our ability to earn new credit and receive the best interest rates available. The current balance as of XX/XX/XXXX is {$2300.00}. My first attempt was received on XX/XX/XXXX via certified mail USPS ( XXXX ). Direc Management INC responded on XX/XX/XXXX by sending an itemized document, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

Therefore Direc Management INC failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The itemized documents, sent to me and the co-applicant, contained conflicting dates of first delinquency and amounts claimed owed. 

A second attempt was delivered via certified mail USPS ( XXXX ) to Direc Management INC on XX/XX/XXXX, again requesting validation and, additionally, names and addresses of each person who personally verified this alleged account. 
Direc Management INC failed to respond. 

Laws I can potential files suit for : 1 ) Metro 2 Compliance 2 ) US Court of Appeals - XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 623, FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter XXXX From XXXX. 

FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$1900.00} ( shown as {$1900.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation TO PAY MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX I informed Chase ( and continued to inform the bank ) of my identity theft, which directly affected the accounts I had with the bank. XX/XX/XXXX the bank charged off and closed my account and reported the negative account error to the credit bureaus due to my account allegedly being overdrawn. I disputed the error and Chase has acknowledged its system error and I am due about {$180.00}, but the bank sent the check to the wrong address. It's been more than 30 days and the bank still has not voided the check sent to the wrong address and reissued my funds to the correct address. But, the bank has sent a {$15.00} check to the correct address due to another miscalculation error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The offending company is Equifax. Equifax had the security breach a year or so ago. Because of that they offered me a year long security program for free. HOWEVER they have been charging me {$9.00} per month. When I first tried to deal with over the internet and I tried to cancel my account their computer says " you have a free account '' then it says " goodbye '' and hangs up! I tried calling customer svc and have waited on the phone for more than an hour - twice w/o an answer. When I did a chat I got someone right away however they gave a link which would not or could not get me an answer - meanwhile they are still collecting my money ( because you had to give a credit card to start the free svc ). My suspicion is that they are doing this to others as well to recoup some of the money they lost over the security breach. It seems my only recourse is to cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: ID

Complaint narrative:
Equifax : false, contradictory, and incorrect information on us is sent to potential lender. We don't have access to that information. The credit report that we receive is different than the ones they get. We paid lawyers and a credit repair company to sort this out. Much of what they were able to do for us was dumped back onto our credit report when Equifax was hacked. 
Our personal information has been compromised so many times that we can not trust any information listed there. Our supposed accounts have been sold off to companies we've never heard of trying to get money that we don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Paid this debt that entered in to collections on XX/XX/12 and it is still reporting on my credit 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 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
My concern is regarding secure private information. 
On XX/XX/XXXX this year I following an online ad regarding mortgage refinancing from XXXX. I filled in the online form which requested only my last 4 digits of my social security number. XXXX referred my inquiry to XXXX and a representative contacted me by phone shortly after. 
We discussed the options I have. I inquired about a certain loan that was attractive to me and I specifically requested not to run my credit score at this time because I wasn't ready. To my surprise, the rep replied that he had already done so while we were talking. 
I asked him how did he get my social security number and he replied that he received it from XXXX. I said that I only gave them the last 4 digits and he said that they have the technology to figure out my social security number. This statement trigged my suspicion that there is a broader issue of breach of information privacy at XXXX I am filling this complaint hoping that it will spark an investigation in online data security practices. Is there an exchange of unauthorized private data information online?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Innovis
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1100.00} ( shown as {$1100.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement DO NOT constitute my ownership of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation