vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: PA

Complaint narrative:
accounts on my credit report are not mine and should be removed 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 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
A new XXXX bought the practice of my old XXXX. They are claiming that I have a XXXX bill from the previous XXXX  from 2008.  We have double coverage XXXX insurance and everything was picked up by insurance.  We never received a bill from the previous XXXX for the debt they are claiming we owe.  They have also sent it to collections and Capital Accounts has reported it to XXXX.  This is past the statute of limitations to sue AND to report to XXXX.  It is my understanding that a debt (if there was one, which there isn't) older than 7 years cannot be reported to XXXX  or any of the others.  I feel we are being scammed and bullied into paying something we do not owe.  I have attempted to explain this to them two different times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
I sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED

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 2019-08-20 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: PA

Complaint narrative:
I am a victim of identity theft and accounts on my credit are not mine

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 2019-08-20 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: PA

Complaint narrative:
Accounts on my credit report are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Lexington law, etc are TOO expensive. Can’t even afford to check my score every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
Please reverse the late payments reported for this particular account:XXXX XXXX XXXX  The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.

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 2019-08-20 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: LA

Complaint narrative:
The purpose of this complaint is , I request that XXXX XXXX XXXX,XXXX XXXX formally substantiate account dataXXXX XXXX XXXX,XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX XXXX,XXXX XXXX desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting 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 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been overpaying my loan to pay down the principal as fast as possible.  Today I received a letter that stated that my overpayments will not be applied to my principal but to other fees before principal reduction.  This is to make more money off of me illegally in violation of the original loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
In XX/XX/XXXX I received a notice from my credit monitoring service about a collection on my credit report from “Midwest Recovery Services” although I was never contacted and allowed to dispute the collection which I believe to be incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.

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 2019-08-20 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: FL

Complaint narrative:
Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX  keeps calling me mostly all day and sometimes after hours .I want this stopped .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX  and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Credit Report on Experian and XXXX are inaccurate and showing false information. Includes address and employment...etc.

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 2019-08-20 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my account my credit report has inquires that I do not recognize and that I did not authorized. on XX/XX/XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX on XX/XX/XXXX  These company are under violations of my rights in section 1681 and I would like these inquiry 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 2019-08-20 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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: LA

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX and equifax have been reporting wrong on my credit report. The truck was paid in XX/XX/XXXX. They are reporting that the payments have been late in November XX/XX/XXXX and XX/XX/XXXX. The truck was paid in XX/XX/XXXX no way it was late. I would like my credit score recalculated and fix asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX-XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX, XXXX,XXXX XXXX,XXXX,XXXX XXXX,XXXX XXXX,XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX;XXXX XXXX;XXXX XXXX;XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: PA

Complaint narrative:
My husband  went to Prime lending in XXXX  Pa. A loan specialist name XXXX XXXX approved my husband for a mortgage of XXXX. He didn't go over anything about the mortgage process except that he was approved. While looking at homes XXXX  text our realtor that he could approve my husband for XXXX. Our realtor and I thought it was strange because nobody asked him to up the budget. We just figured he went over my husband's income and credit again. So then we found a home, and put an offer on it. When the listing agent found out who our lender was she refused to work with him. Due to him lying in the past, forging paperwork,  and not being able to close on homes before.  We tried to convince her to work with him. We ended up finding out we indeed not qualify for XXXX. That he tried forging our paperwork too, and was lying about everything.  He never explained anything to us, never went through any of the paperwork with us, and was pretty much just making it up as he goes. We aren't the only people he's done this too. We have learned from other people that this is how he does business.  People are losing homes, and money because of him. He needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX,XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX  and 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 2019-08-20 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: CA

Complaint narrative:
I SENT LETTERS, CERTIFIED WITH SIGN AND RETURN TO EQUIFAX ON THE FOLLOWING DATES:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;XXXX,XXXX;XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
So, in the past week I have tried to apply on my XXXX  for an XXXX   XXXX. I have repeatedly been told that ID is required and, subsequently, that my XXXX driver's license did not "verify photo id" to the satisfaction of Goldman Sachs.I have been using XXXX XXXX and making purchases on my XXXX for over a decade while living at this same address with an in-state driver's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS  LOANS  VS XXXX   FAMILY  :ON  XX/XX/2019  REGIONS  LOAN REFUSE TO FOLLOW THE REGULATIONS IN HOME LOANS   WE  PAY  ALL PRINCIPAL  AND  INTEREST  UNTIL XX/XX/2019 BUT  REGIONS  REFUSE  TO CANCEL  THE  PRE PAYMENT FOR  ESCROW  FROM  XX/XX/2019  LAST WEEK  THE  FILE  A NOTICE OF  LIES PENDENS  WITH OUT ANY  NOTIFICATON  OR HELP  .AGAIN  WE  PAY  ALL PRINCIPAL AND  INTREST PLUS  ESCROW  UNTIL  XX/XX/2019   -  WHY  REGIONS WANT  US  TO  LOSE THE  HOUSE  FOR  NOT  PRE PAYMENT  IN  THE NEW  ESCROW ACCOUNT  - WE  TALK TO  THE  INSURANCE  COMPANY AND  XXXX XXXX  TAX  AND THEY  OFFER A  BETTER PAYMENT PLAN   .PLEASE  INVESTIGATE WHAT HAPPEN !   REGIONS  VILOATE  ALL THIS  REGULATIONS  .Restricted Dual-Tracking: Dual-tracking – when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure – is restricted. The practice has hurt many consumers who thought they were working out a resolution with their banks and were shocked to learn of a scheduled foreclosure sale. Under the new rules:• Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Early Notice When in Trouble: Servicers must include information about delinquency in a borrower’s monthly statement after the borrower misses two consecutive payments. This information must include the date the borrower became delinquent, the amount required to bring the loan current, and the risks of failing to do so.Notification of Foreclosure Alternatives: Servicers must reach out to borrowers who have missed two consecutive payments. Specifically:• Servicers must provide in the written notice examples of “loss mitigation” options, which may be available to avoid foreclosure. These options could include changing the interest rate, extending the terms of the loan, deferring or forgiving principal, or coming up with some other alternative payment plan.• Servicers must include information about housing counseling in the written notice.

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