vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: CA

Complaint narrative:
I have received the letter for debt settlement from XXXX XXXX  XXXX showing the balance of {$7300.00}. I have not had a chance to review the credit card invoices and also no explanation of how the total amount shows {$7300.00}. Also, the collection company has offered for 30 days for the amount of {$2200.00} but not sure how that amount came about and must send payment within 40 days fo the notice dated XX/XX/2019. 

I would like to receive all the copies of the credit card debt that shows {$7300.00} since the account is closed. Also, the explanation of how the settlement has been offered. 

If the settlement is offered, I would need to work out payment plans instead of the lump sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.

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 2019-05-25 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: PA

Complaint narrative:
Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.

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 2019-05-25 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2019 I received a notification from XXXX XXXX that according to my XXXX credit report someone added me as an authorized user to their JPMCB CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with JP Morgan Chase ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with XXXX but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
The companies involved are already aware as I have written to all of them. Barclay is claiming that I have not made any payments since XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX negotiated with me. XXXX went out of my business in XXXX when my account was paid in full. They told me that Attorney XXXX XXXX would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, XXXX instead wrote me and said that I haven't made payments since XXXX. This is inaccurate. I have sent letters and proof to XXXX XXXX and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an XXXX product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX XXXX' invoice is not.

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 2019-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've been getting multiple calls from different numbers. The company calling is portfolio recovery. They call my cell and my house. I used to get letters but i haven't received any lately. The debts they're attempting to collect on are over 10 yrs old. I'd like this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: IL

Complaint narrative:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through  XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: IN

Complaint narrative:
Brought house inXX/XX/XXXX I have heard buyer beware what about railroaded that's what happened railroaded in to the real estate deal deceptive practice s by Stone gate mortgage was handed the inspection report the day. Before the closing was not told about black mold, wood rotting of floors, the house ready to collapse, rain damage, moisture causing black mold in crawl space or carbon monoxide in the back bedroom I have to keep the door shut and cardboard under the door. The roof leaks the walls cracking apart the house is falling in on it's self. There was 10 percent inspection done in the crawlspace. The realtor was dating the inspector the condition of the house caused a slew of health issue s respiratory infection s, tremors and memory problems, migraines, the water is on a well smell of rotten egg, sulfide gas, iron and sulfur bacteria this happen after the water heater had to be replaced XX/XX/XXXX payment {$62000.00} a month the central air went out now I have to have a hang on unit air conditioner the house is in a bad shape can't sell to the public, the price is to high to sell to a investors. XXXX insurance company said after paying them three years that the coverage for {$130000.00} XXXX s said it's my XXXX lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 explanation
Consumer complaint received 2019-05-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: DISCOVER BANK
State: PA

Complaint narrative:
Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
company repeatedly updates credit report claiming I opened an account with XXXX 2 years ago which I've not done. The only account I had with XXXX was in XXXX. This company has falsely claimed the account was accurate for credit disputes purpose. XX/XX/XXXX last payment was made for XXXX to XXXX. Bill amount at time of payment was XXXX. collection company has repeatedly claimed the bill total is XXXX and on Thursday XX/XX/XXXX the claimed the excess amount was for collection fees due to the period of time however company has always claimed this is the amount due of the deliquent phone bill.Collection company using spoofing numbers from local cities. company has begun calling my cell phone and work number using this practice. company should be fined for use of illegal practices. number they are currently using is XXXX XX/XX/XXXX XXXX wednesday XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: PA

Complaint narrative:
Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.

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 2019-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: UT

Complaint narrative:
I was in an auto accident in XXXX of 2017 at the fault of another party and suffered medical attention. All medical bills were to be paid by the other party 's insurance and we're never paid. This is not my debt.

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 2019-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

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 2019-05-25 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: PA

Complaint narrative:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

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 2019-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Made contact via certified mail regarding hard inquiry. Company failed to comply according to FCRA guidelines. Sent letter XX/XX/2019, no response.

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 2019-05-25 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: AZ

Complaint narrative:
The following accounts listed on my Equifax credit report is fraudulent and keep reappearing on my credit report : XXXX XXXX XXXX for credit card account, {$22000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card account, XXXX XXXX XXXX XXXX credit card account and XXXX XXXX XXXX XXXX MasterCard credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: PA

Complaint narrative:
Made contact via certified mail regarding hard inquiry. Company failed to comply according to FCRA guidelines. Sent letter XX/XX/2019, no response.

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 2019-05-25 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: PA

Complaint narrative:
Sent letter via certified mail regarding hard inquiry. Company failed to comply according FCRA guidelines. No response after 30 days.

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 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
called fake paypal number listed on XXXX XXXX they had all my paypal acc info. they were in my paypal account they knew my notifications email phone numbers and they locked me out of my act ssid my account had been hacked and had me spend XXXX on XXXX XXXX  XXXX. called number back and they told me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: Lending Club Corp
State: IL

Complaint narrative:
Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00}  and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union  mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you

Company response to consumer: Closed with explanation