vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: MicroBilt / PRBC (formerly CL Verify)
State: VA

Complaint narrative:
I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is Part of complaint # XXXX Chase is making it impossible for me to reclaim the funds they have, Chase has told me the only way to get my funds returned is to have the company that issued the check to do a stop payment.

The Issuing banks wont put a stop payment on the checks because all the checks have already cleared and chase received the funds ... I have been on the phone with chase support for hours and i have not been able to get any where. I have emailed any Chase employee i could find to try and get this resolved. This seems like it is being done on purpose. Their are hundred of complaints about chase doing this same thing. Closing a customer 's checking account and holding the deposited funds making it impossible for the funds to be reclaimed. If i did this to chase i would be called a bank XXXX and thrown in jail for 20 years. Chase gets to do this with impunity and not only do they not get in trouble the customer either loses the funds or spends hours and hours of their time trying to rectify. 

I am really at my witts end. My bills are late. I have not paid my rent for XXXX. 


Is there anything that is going to be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2021-07-22 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Mid Atlantic Finance company has not reported my two paid off auto loans to XXXX  credit bureau They have reported them to XXXX and XXXX  but not XXXX. 

It has been one year of me emailing Mid Atlantic management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my XXXX  but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by 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 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I paid XXXX cash on my auto loan which was at 28 % in California, an amount higher and in direct violation of usry laws in my state. I paid the loan off on XX/XX/XXXX, its still open and my XXXX balance account is charging me a normal monthly payment of XXXX and they keep saying they're going to report it to the credit reporting agencies, they e told me it's closed, but when I log in to the account it shows that it's open.. this company is notorious for repossesing cars on paid accounts. They've said they would close it but No attempts have been made in over a month. They won't close it. I've called and support chatted with them 5 times in the last month. This company is a fraud and they are running my credit. How can they get away with charging me {$260.00} on an account with a I balance that they refuse to close after payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I was sick and admitted to the hospital. Afterwards I negotiated the full hospital bill with the billing department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. From {$5600.00} to {$2200.00} I payed in full XX/XX/XXXX in person and received a signed receipt from the billing department saying the bill was payed in full. About 3 months later I received an additional {$220.00} from XXXX XXXX XXXX from that same hospital visit that I had already negotiated and payed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I demand these accounts be updated as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. I have Attached FTC Report to document. You have failed to Provide Physical Proof of Original Application With my Signature For Validation of this Account. I Demand you to Stop Reporting this Account immediately or I will Seek litigation damages. 

I, XXXX XXXX gives CFPB permission to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.

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 2021-07-22 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: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed an unauthorized inquiry from your company. I have not given your company permission or reason to run my credit. I've sent numerous letters requesting any proof that supports this unauthorized inquiry. You have not responded, so you must contact the credit bureaus and request that the inquiry be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TX

Complaint narrative:
I have yet to receive an answer from Experian. Why was the attached INCOMPLETE fraudulent application processed by XXXX XXXX on behalf of XXXX XXXX XXXX XXXX loan when the application clearly states incomplete applications will not be processed? Processing the application led to a fraudulent loan. XXXX XXXX ignores, XXXX XXXX XXXX XXXX requests more of my personal information, and Experian is not thoroughly investigating.

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 2021-07-22 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: TX

Complaint narrative:
Experian is a horrible horrible horrible company. 4 years ago the attached application was incomplete but Experian furnished my personal information anyway that then led to a fraudulent auto loan. I have repeatedly tried to call Experian which is an exercise in pure stress. XXXX  XXXX XXXX XXXX is on my credit report because credit was pulled based upon an incomplete application and information stolen by Experian. I have asked Experian why the application was processed and why my personal information was supplied by Experian but have yet to receive an answer. 4 years later and still no answer from Experian.

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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
The tactics of staff when you call Doberstein Law firm is harsh and no way treat people. Originally I was served papers over 1 year ago during the time of the pandemic. There office was closed I left messages attempting to reach as I as well faced with loss job due to pandemic. I appeared at court and the judge advised the attorney and myself to try work things out. I called the office and set up an agreement. The balance was around {$2000.00} and I paid consistently weekly out unemployment funds. I had to end as funds ran out XXXX XXXX XXXXXXXX XXXX. I called XX/XX/21 to advise working now and get something set up. Balance {$690.00} I advised just started working if settlement can do or get weekly payments set to. The rude, dont know how talk people like we filed suit and our client would want us go for suit. WHY? I asked speak with an attorney and advised attorney will advise me same. Im sure person answering phone should not be able advice any legal advice and/or advise what an attorney could advise me. Im trying to pay. No one has called me to follow up on account but when I call its we filing suit. Thats scare tactic and their office was closed so to staff should be understanding if they was without income as we all are now coming out this pandemic. I get it people owe, but if someone is trying you dont turn down accepting something or trying work out options. Better ways to treat n talk to people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
Allied showed up on my credit report last year for medical debt and they have recently filed a suit against me in small claims court. I contacted them to let them know I did not know who they were or why they were reporting these debts and to verify the debts. These accounts were from the local hospital. I was told that if the debts were mine and validated, that I could not pay the hospital and would have to pay Allied directly. XXXX told me this on a phone call XX/XX/2021. 

I called the hospital billing department to get them to validate the debts. They sent me the bills in the mail. Allied also sent me bills that all added up to {$800.00}. The bills that Allied sent me added up to the bills the hospital sent. 

I paid the hospital this amount directly, as they recalled the debt from Allied. This happened on XX/XX/2021. I have never had any transactions with Allied, because though they verified the amount, they never proved that they had the right to collect the debt. They are continuing to report inaccurate information on my credit report. They never updated these multiple accounts as disputed, and now they aren't removing them, as they no longer hold the debt. The hospital recalled it, and it has been paid. 

They are also stating that they will continue the lawsuit because of two bills that they did not and can not validate. I spoke with XXXX and XXXX on the phone on XX/XX/2021, and they said that even with the paid amount to the hospital, they're still collecting on two additional accounts that they did not validate when I asked. They had the opportunity to send these to me and did not. 

Allied also had personal medical information that was much more than the minimum amount of information they need to collect on debts. They sent me with their validation what procedures these bills were for, which is a huge HIPAA violation. I can prove this with their validation paperwork. Also, on the phone call I had with XXXX on XX/XX/2021, she almost slipped up by mentioning one of the procedures that one of the bills was for. 

They need to quit reporting these paid and inaccurate medical bills : - The debt has been recalled by the XXXX, and they are not the hospital. 
- The debts were disputed but not reported as disputed. 
- They provided me with my personal medical history that they should not have had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I XXXX XXXX want field a complaint with XXXX, Transunion, XXXX  because they inaccurate information on my fie that should not be on credit report Such as Chapter XXXX Should not be on my credit report because XXXX have removed my chapter XXXX and also XXXX, Transunio, XXXX  was sending credit reports saying Thant I was XXXX XXXX XXXX and my name is XXXX XXXX. .I XXXX XXXX pay my on time and you credit Score shoul d be higher than XXXX XXXX, because all of bills come out of my checking account not five every month. I am a and sure would appreciate if u could resolve thes problem with the credit agency.

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 2021-07-22 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: TX

Complaint narrative:
I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: DE

Complaint narrative:
XX/XX/2021 Sequium Asset Solutions LLC placed derogatory entries on three credit reporting agencies claiming I am in default of some kind of debt from who knows who for {$1400.00}. They are wrong. I owe nothing to anyone at this time. I have attempted to contact this company by email on XX/XX/2021 and have not received a response back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
i notice on my credit report on XX/XX/2021 that PARAGON REVENUE GROUP had some negative items reporting that i dont owe or have no business with. they are reporting 9 alleged debts of : {>= $1,000,000}, and XXXX. I don't know where these debts come from and they are ruining my credit and keeping me from getting thing plus causing me XXXX and XXXX  from not getting anything with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Duncan Solutions, lnc.
State: VA

Complaint narrative:
During the pandemic, the XXXX XXXXXXXX XXXXXXXX XXXX were unmanned and an XXXX was required or exact change in quarters. As I rarely travel on toll roads, when I did, I would not have the exact change and so intended to pay the tolls online. The notices slipped through the cracks as I was still moving households and paperwork was scattered. I would like to pay all the tolls but object to the usurious fees and fines and now my account is in collections. Can you please help resolve?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
First dispute letter was sent on XX/XX/2021, the second was sent on XX/XX/2021, third letter sent XX/XX/2021, fourth letter sent XX/XX/2021, fifth letter sent XX/XX/2021, and final XX/XX/2021. There has not been any verifications or proper updates to the credit reports. 

The disputes and letters was sent to all three credit bureaus. XXXX  Consumer, XXXX, and Equifax. I have been disputing this for months and begging for removals and verifications. I have not received anything. I should not have any derogatory items reporting on my credit report. All items in collections should be removed as requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Around XXXX of 2020 Flagstar utilized a 3rd party bill pay for their checking bill pay options for consumers. 
This bill pay system paid out transactions without sufficient funds in the consumers account and did not reconcile current balance prior to charging fees and returning payments. 
Funds should not have NSF fees on bill pay and this is currently a option disabled withing the Flagstar banking system on my account due to bank error. 
Fee continued to attempt to charge from bill pay without sufficient funds creating an error and I was locked out of the bill pay system so could not start/stop any type of payments that were creating this fee. 
Also {$2.00} fee charged for " Right to offset ''. This should be disclosed before bank offsets with clear definition as to the charge.

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 2021-07-22 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: SC

Complaint narrative:
On XX/XX/2021 Equifax received my documents disputing several accounts and inquires on my credit report. Equifax failed to remove all of the accounts and inquiries in it's initial investigation into my dispute. I have sent Equifax documents notifying them of their default. I will attach all documents pertaining to this issue below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation