vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is REVENUE RECOVERY CORPORATION was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVENUE RECOVERY CORPORATION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) REVENUE RECOVERY CORPORATION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation REVENUE RECOVERY CORPORATION are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVENUE RECOVERY CORPORATION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVENUE RECOVERY CORPORATION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: U.S. BANCORP
State: OH

Complaint narrative:
Between XXXX and XXXX of XXXX Someone fraudulently applied for credit using my personal verifying information I have been a victim of identity theft since XXXX. I did not authorize anyone to open or attempt to open any accounts using my personal verifying information. I alerted the Credit Bureau to these fraudulent inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to dispute these inquiries, They sent out notification to the Credit companies but told me THEY DO NOT DISPUTE INQUIRIES, even if you have been a victim of Identity theft. Since then I've reached out to the companies that these inquiries were initiated thru and they also have not responded in a timely manner to remove these inquiries. Ive sent XXXX many documents that they seem to never receive. At this point these inquiries are damaging my credit report. Iam requesting the following items be removed from credit file and blocked from viewing for Identity theft or Fraud. 

XXXX XXXX THIS IS A FRAUDULENT INQUIRY XXXX THIS IS A FRAUDULENT INQUIRY US BANK THIS IS A FRAUDULENT INQUIRY XXXX XXXX XXXX THIS IS A FRAUDULENT INQUIRY I WANT THESE INQUIRIES REMOVED FROM MY FILE FOR FRAUD I DID NOT AUTHORIZE ANYONE TO APPLY FOR THESE ACCOUNTS USING MY NAME.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
We were approved for a mortgage forbearance plan for XXXX XXXX payments, due to Covid. We started making payments again on XX/XX/XXXX and have made every payment since. Starting in mid-XXXX we were in contact with Dovenmuehle regarding the re-payment plan, and we chose the option to add those 3 payments to the end of our loan. They said they would send us paperwork. We did not receive it so we called back in XXXX and they said they had no record of the above conversation, and again they said they would send the paperwork. This happened 2 more times - we never received the paperwork to add the payments to the end of our loan and they began putting negative marks on our credit. They then on XXXX suddenly sold our mortgage to another company without mention of any forbearance to them - XXXX XXXX was in the dark and they just thought we had not been making payments. What Dovenmuehle did was, they took the 3 payments for XXXX and applied them to XXXX so it just looked like we were constantly 3 months behind. The new mortgage company was finally able to resolve it by putting us on forbearance again for 1 day to push these payments to the end of the loan. Dovenmuehle needs to fix any and all negative marks against our credit. The attached letter from them dated XXXX, was not received by us until after they sold our mortgage in XXXX. This was illegal according to the CARES Act of 2020. This company needs to be fined and we need to be compensated for the financial stress their negative credit marks have put upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' This has been the excuse given several times and not once have you provided proof of a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: VA

Complaint narrative:
I have made several attempts to have a bankruptcy that does not belong to me removed from my credit report. However Transunion continues to report the bankruptcy and stated that it had been verified by XXXX XXXX. Although XXXX XXXX has deleted this information from their files because it was not my information. So how is it possible that Transunion verified this information with 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 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
See attached letter from Chase that I red lined. I stated over phone in XXXX that all charges were fraudulent when my card was stolen. Yes I found out who thief was as stated on the sheriff 's report on XX/XX/XXXX. I stated I do not know who she purchased items for. I remember being asked and I felt the question was ludicrous. I never received XXXX XXXX of anything after card was stolen. A CIVIL MATTER??! Who determined this to be a civil matter?? It wasn't me. I filed a sheriff 's report on this person on XX/XX/XXXX. I left a message for XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am a XXXX XXXX borrower who has been impacted by COVID19. I requested mortgage assistance from Rushmore back in XXXX and was granted a forbearance. Once my XXXX  started picking up again I attempted to reach an agreement with Rushmore for a repayment plan or possibly to tack the amount I owe to the end of my loan. Rushmore informed me that my only options was a loan modification that I would have to apply for. I informed Rushmore at the time this option was offered that I was barely getting back on my feet and did not have the same income as before. After a month of going back and forth submitting docs and completing the application, Rushmore informed me that I did not qualify for the modification and therefore owed a balloon payment at the end of my forbearance period. 

I have saved everything I possibly could over the last few months and am prepared to make a payment toward the amount I owe and continue to go back to my regular payments immediately if they would just consider other alternatives than to foreclose on my because I do not have the complete amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a secured card with Bank of America with a {$500.00} credit limit where I paid the {$500.00} and was able to use the card and make monthly payments. This was to help build my credit instead the card came with higher than normal interest and fees. I lost my job and fell behind in making my monthly payment on the card. I have tried to work out an agreement with Bank of America to pay this card to no avail. The bank is saying I now owe {$1000.00} but how when the credit limit was only {$500.00} and I put up the {$500.00} to use as collateral. Bank of America is a rip off to hard working people trying to improve their credit and especially to minorities like myself. I want this charge off from XX/XX/07 off of my credit and a full audit of the account in question and all late fees, and high interest removed along with my {$500.00} credited to this account and call it even for I don't owe {$1000.00}

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 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
Dispute Timeline I noticed on my credit report a collections account from American Capital ENT claiming I owe {$1800.00}. This debt is not mine and they will not respond to my request to remove this fraudulent item from my credit report.

File Name : Dispute Letter 1 XXXX XX/XX/XXXX 1st Dispute letter mailed on XX/XX/2020, with no response. 

File Name : USPS Certified Mail Receipt Receipt for 1st Dispute Letter being sent.

File Name : USPS Tracking Date Letter Received XX/XX/XXXX 1st Letter received by American Capital on XX/XX/2020. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report dated XX/XX/2020, with no mention in the comment section account being disputed by the consumer. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report 46 days later from the date the letter was received by American Capital, with no mention in the comment section that this account is being disputed by the consumer. 

File Name : Dispute Letter 2 XXXX XX/XX/XXXX 2nd Dispute letter sent to American Capital with no response.

File Name : USPS Certified Mail Receipt XX/XX/XXXX - Receipt for 2nd Dispute Letter being sent. 

File Name : USPS Tracking Date Dispute Letter Received XX/XX/XXXX - 1st Letter received by American Capital on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score.

Please investigate about my case.

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 2020-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-19 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: IL

Complaint narrative:
I uploaded a letter to EXPERIANRIAN, XXXX  AND XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Experian sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian doesn't have any files to verify this account, nor will they delete it.

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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AL

Complaint narrative:
I am a victim of identity theft, the following account listed on my credit file should not be listed there. Please remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I uploaded a letter to XXXX, XXXX AND TRANSUNION and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.

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 2020-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I uploaded a letter to XXXX EQUIFAX AND XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: GA

Complaint narrative:
These credit inquires are unauthorzied and needd to be removed from my credit report immediately.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MAJR Financial Corp
State: GA

Complaint narrative:
These credit inquires are unauthorzied and needd to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I discovered Aargon Agency reporting on my credit report and since I have never received any notice of me oweing them a debt, I attempted to dispute this account. After various attempts to dispute this account with the bureaus, I followed up with Aargon agency directly on two occasions. I used the creditor contact displaying on my credit report which according to the bureaus, is the same address they used to verify the debt. However, on both occasions, I received my letter back as it was deemed not deliverable as addressed and unable to forward. I will be including both 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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Conn's, Inc.
State: AZ

Complaint narrative:
I paid off a contract with Conn 's appliances in XX/XX/XXXX. 

Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. 

Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. 

I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. 

Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. 

I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. 

Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. 

Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Car purchased ( financed ) from Nissan in XXXX. 
Paid online in XXXX and the money was returned. 
To resolve further issues, I paid over the phone for XXXX, XXXX and XXXX. 
My bank XXXX XXXX XXXX confirmed that on XX/XX/XXXX XXXX  took {$950.00} out of my account. 
Despite me calling and having my bank fax proof of the money taken from me, my car was repoed at XXXX on XX/XX/XXXX. 
Since XXXX on XX/XX/XXXX ( when their phone lines open ) I have made tens of phone calls and direct emailing with a representative for the company. 
They lost my money and until they figure out where they made the mistake- I can not get my car back. 
I am all paid up for my car, put thousands of dollars down, it was stolen from me in the middle of the night and now I have no car for work.

Company response to consumer: Closed with explanation